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Single Family ResidenceResidential
$461,661$175 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 83How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

2522 JAMES RIVER RD

HOWARDSVILLE, VA 24562
4
Beds
2.5
Baths
2,636 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
5 ac
Lot SizeThe size of the land the home sits on, from county records.
1982
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$462K
$383K low$540K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$226,974
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$181,579
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.54%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$234,687
J P MORGAN CHASE BANK · R · recorded Mar 31, 2011

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,205 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$470,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$65,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$405,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$421,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$470,400

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyALBEMARLE
Lot (acres)The size of the land the home sits on, from county records.5.00
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 499 ft²Patio · 488 ft²Porch · 144 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Scottsville Elementary SchoolD+
Elementary · Grades PK–5 · 6.6 mi
M
Walton Middle SchoolC
Middle · Grades 6–8 · 11.0 mi
H
Monticello High SchoolB
High · Grades 9–12 · 17.3 mi

District: Albemarle County Public Schools

Neighborhood · ZIP 24562These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.134
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.84

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.83%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.3%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.17%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.639
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.26 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$48,475
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$58,335
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.46 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

2522 James River Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 94% of homes in Howardsville 24562
  • Costs less per square foot than 96% of homes in Albemarle County
  • Bigger than 90% of homes in Howardsville 24562
  • Has a bigger lot than 85% of homes in Albemarle County

What homes are worth in Howardsville 24562

Each bar is how many homes fall in that price range. The marker is this home.

This home
$53K$726K

This home is worth more than 94% of homes in Howardsville 24562.

How it measures up in Howardsville 24562

The dot is this home. The mark in the middle is the typical home in Howardsville 24562.

Estimated value$461,661
CheaperTypical $122,123Pricier

Pricier than 94% of homes nearby

Price per ft²$175
CheaperTypical $226Pricier

Pricier than 19% of homes nearby

Living area2,636 ft²
SmallerTypical 1,523 ft²Bigger

Bigger than 90% of homes nearby

Lot size5 ac
SmallerTypical 5 acBigger

Bigger than 55% of homes nearby

Year built1982
OlderTypical 1989Newer

Newer than 37% of homes nearby

How 2522 James River Rd ranks against every home in each area.
MeasureThis homeHowardsville 24562Albemarle County
Estimated valuepricier than$461,66194% of homes39% of homes
Price per ft²pricier than$17519% of homes4% of homes
Living areabigger than2,636 ft²90% of homes77% of homes
Lot sizebigger than5 ac55% of homes85% of homes
Year builtnewer than198237% of homes36% of homes

About 2522 James River Rd

How much is 2522 James River Rd, Howardsville, VA worth?

The TopHap Estimate for 2522 James River Rd, Howardsville, VA is $461,661 as of Jul 14, 2026. The likely range is $383,188 to $540,134. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2522 James River Rd, Howardsville, VA last sell?

2522 James River Rd, Howardsville, VA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 2522 James River Rd, Howardsville, VA?

2522 James River Rd, Howardsville, VA has 4 bedrooms, 2.5 bathrooms, 2,636 square feet of living space and a 5.00-acre lot.

When was 2522 James River Rd, Howardsville, VA built?

2522 James River Rd, Howardsville, VA was built in 1982, making it 44 years old. The building has 1 story.

What schools serve 2522 James River Rd, Howardsville, VA?

2522 James River Rd, Howardsville, VA is assigned to Scottsville Elementary School (elementary), rated D+; Walton Middle School (middle), rated C; Monticello High School (high), rated B. All sit in Albemarle County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2522 James River Rd, Howardsville, VA compare to other homes in Howardsville 24562?

Among the 385 homes in Howardsville 24562, it is worth more than 94% of them ($461,661 against a typical $122,123), its price per square foot is higher than 19% of them ($175 against a typical $226), it is bigger than 90% of them (2,636 ft² against a typical 1,523 ft²), its lot is bigger than 55% of them (5 ac against a typical 5 ac) and it is newer than 37% of them (1982 against a typical 1989). Measured against all of Albemarle County, it is worth more than 39% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 2522 James River Rd, Howardsville, VA?

The 2026 property tax bill for 2522 James River Rd, Howardsville, VA was $4,205. The county assessed it at $470,400.

Closest homes

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Assigned schools

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