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Single Family ResidenceResidential
$345,730$216 / 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 93How 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 $345,000 on Jun 17, 2026

278 RIDGE ST

LOVINGSTON, VA 22949
3
Beds
2.5
Baths
1,598 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.
0.49 ac
Lot SizeThe size of the land the home sits on, from county records.
1963
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$346K
$322K low$369K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$345,000 · Jun 17, 2026
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.$345,730
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$276,584

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,884 (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.$336,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$51,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$284,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$256,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$336,400

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.46
18
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
22
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
81
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
93
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.15 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyNELSON
Lot (acres)The size of the land the home sits on, from county records.0.49
ConstructionThe main material the home's frame and walls are built from.Brick
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
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.Porch · 240 ft²

Transaction History(1)

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.

M
Nelson Middle SchoolB+
Middle · Grades 6–8 · 2.6 mi
H
Nelson County High SchoolC-
High · Grades 9–12 · 2.8 mi
E
Tye River Elementary SchoolB-
Elementary · Grades PK–5 · 4.5 mi

District: Nelson County Public Schools

Neighborhood · ZIP 22949These 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.127
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.72

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.81%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.1,084
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.30 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$72,929
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$104,126
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.50 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.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

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

278 Ridge St 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 71% of homes in Lovingston 22949
  • Has a smaller lot than 88% of homes in Lovingston 22949
  • Older than 78% of homes in Nelson County

What homes are worth in Lovingston 22949

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

This home
$48K$1M

This home is worth more than 71% of homes in Lovingston 22949.

How it measures up in Lovingston 22949

The dot is this home. The mark in the middle is the typical home in Lovingston 22949.

Estimated value$345,730
CheaperTypical $228,724Pricier

Pricier than 71% of homes nearby

Price per ft²$216
CheaperTypical $205Pricier

Pricier than 55% of homes nearby

Living area1,598 ft²
SmallerTypical 1,528 ft²Bigger

Bigger than 55% of homes nearby

Lot size0.49 ac
SmallerTypical 3 acBigger

Bigger than 12% of homes nearby

Year built1963
OlderTypical 1973Newer

Newer than 38% of homes nearby

How 278 Ridge St ranks against every home in each area.
MeasureThis homeLovingston 22949Nelson County
Estimated valuepricier than$345,73071% of homes64% of homes
Price per ft²pricier than$21655% of homes38% of homes
Living areabigger than1,598 ft²55% of homes57% of homes
Lot sizebigger than0.49 ac12% of homes18% of homes
Year builtnewer than196338% of homes22% of homes

About 278 Ridge St

How much is 278 Ridge St, Lovingston, VA worth?

The TopHap Estimate for 278 Ridge St, Lovingston, VA is $345,730 as of Jul 14, 2026. The likely range is $322,231 to $369,229. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 278 Ridge St, Lovingston, VA last sell?

278 Ridge St, Lovingston, VA last sold on Jun 17, 2026 for $345,000, according to the county's recorded deed.

How big is 278 Ridge St, Lovingston, VA?

278 Ridge St, Lovingston, VA has 3 bedrooms, 2.5 bathrooms, 1,598 square feet of living space and a 0.49-acre lot.

When was 278 Ridge St, Lovingston, VA built?

278 Ridge St, Lovingston, VA was built in 1963, making it 63 years old. It is a ranch home. The building has 1 story.

What schools serve 278 Ridge St, Lovingston, VA?

278 Ridge St, Lovingston, VA is assigned to Nelson Middle School (middle), rated B+; Nelson County High School (high), rated C-; Tye River Elementary School (elementary), rated B-. All sit in Nelson County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 278 Ridge St, Lovingston, VA compare to other homes in Lovingston 22949?

Among the 847 homes in Lovingston 22949, it is worth more than 71% of them ($345,730 against a typical $228,724), its price per square foot is higher than 55% of them ($216 against a typical $205), it is bigger than 55% of them (1,598 ft² against a typical 1,528 ft²), its lot is bigger than 12% of them (0.49 ac against a typical 3 ac) and it is newer than 38% of them (1963 against a typical 1973). Measured against all of Nelson County, it is worth more than 64% 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 278 Ridge St, Lovingston, VA?

The 2026 property tax bill for 278 Ridge St, Lovingston, VA was $1,884. The county assessed it at $336,400.

Closest homes

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Assigned schools

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