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Single Family ResidenceResidential
$864,287$403 / 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 88How 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
Last sold for $720,000 on Jul 22, 2022

2643 JAMES RIVER RD

HOWARDSVILLE, VA 24562
2
Beds
2
Baths
2,142 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.
106.31 ac
Lot SizeThe size of the land the home sits on, from 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

$864K
$764K low$965K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$720,000 · Jul 22, 2022
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.$864,287
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$691,430

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,852 (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.$878,300 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$88,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$790,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$598,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$878,300

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.64
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
25
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
84
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
92
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
20
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.1 percent flood zone

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.106.31
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Gas
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
ViewThe type of view from the property, or another feature of the site that affects value.Flood Plain/Flood Zone
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 180 ft²

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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 · 7.0 mi
M
Walton Middle SchoolC
Middle · Grades 6–8 · 11.6 mi
H
Monticello High SchoolB
High · Grades 9–12 · 17.8 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

2643 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.

  • Among the most valuable homes in Howardsville 24562
  • Among the highest price per square foot in Howardsville 24562
  • Bigger than 76% of homes in Howardsville 24562
  • Among the largest lots in Howardsville 24562

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 almost all 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$864,287
CheaperTypical $122,123Pricier

Pricier than almost all homes nearby

Price per ft²$403
CheaperTypical $226Pricier

Pricier than almost all homes nearby

Living area2,142 ft²
SmallerTypical 1,523 ft²Bigger

Bigger than 76% of homes nearby

Lot size106.31 ac
SmallerTypical 5 acBigger

Bigger than almost all homes nearby

How 2643 James River Rd ranks against every home in each area.
MeasureThis homeHowardsville 24562Albemarle County
Estimated valuepricier than$864,287almost all homes79% of homes
Price per ft²pricier than$403almost all homes86% of homes
Living areabigger than2,142 ft²76% of homes61% of homes
Lot sizebigger than106.31 acalmost all homesalmost all homes

About 2643 James River Rd

How much is 2643 James River Rd, Howardsville, VA worth?

The TopHap Estimate for 2643 James River Rd, Howardsville, VA is $864,287 as of Jul 14, 2026. The likely range is $763,719 to $964,855. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2643 James River Rd, Howardsville, VA last sell?

2643 James River Rd, Howardsville, VA last sold on Jul 22, 2022 for $720,000, according to the county's recorded deed.

How big is 2643 James River Rd, Howardsville, VA?

2643 James River Rd, Howardsville, VA has 2 bedrooms, 2 bathrooms, 2,142 square feet of living space and a 106.31-acre lot.

What schools serve 2643 James River Rd, Howardsville, VA?

2643 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 2643 James River Rd, Howardsville, VA compare to other homes in Howardsville 24562?

Among the 385 homes in Howardsville 24562, it is worth more than almost all of them ($864,287 against a typical $122,123), its price per square foot is higher than almost all of them ($403 against a typical $226), it is bigger than 76% of them (2,142 ft² against a typical 1,523 ft²) and its lot is bigger than almost all of them (106.31 ac against a typical 5 ac). Measured against all of Albemarle County, it is worth more than 79% 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 2643 James River Rd, Howardsville, VA?

The 2026 property tax bill for 2643 James River Rd, Howardsville, VA was $7,852. The county assessed it at $878,300.

Closest homes

More homes in Howardsville 24562

Assigned schools

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