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Single Family ResidenceResidential
$396,748$165 / 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 45How 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 $20,000 on Feb 20, 2015

2809 E RIVER RD

CARDINAL, VA 23025
5
Beds
1
Baths
2,400 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.
0.48 ac
Lot SizeThe size of the land the home sits on, from county records.
1903
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$397K
$179K low$614K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$20,000 · Feb 20, 2015
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.$381,748
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$305,398
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.4%
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.$15,000
BANK OF LANCASTER COUNTY NA · recorded Feb 20, 2015

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$829 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$133,700 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$18,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$115,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$133,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$133,700

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMATHEWS
Lot (acres)The size of the land the home sits on, from county records.0.48
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
PoolWhether the property has a pool, and what kind, such as in-ground.No

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
Mathews Elementary SchoolA
Elementary · Grades PK–4 · 2.6 mi
M
Thomas Hunter Middle SchoolC+
Middle · Grades 5–7 · 2.7 mi
H
Mathews High SchoolC-
High · Grades 8–12 · 3.4 mi

District: Mathews County Public Schools

Neighborhood · ZIP 23025These 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.100
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.33

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.71%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.4%
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.88
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.56 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,443
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$99,854
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.47 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

2809 E 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 67% of homes in Mathews County
  • Costs less per square foot than 69% of homes in Cardinal 23025
  • Bigger than 81% of homes in Mathews County
  • Has a smaller lot than 98% of homes in Cardinal 23025
  • Older than 89% of homes in Mathews County

What homes are worth in Cardinal 23025

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

This home
$40K$1.3M

This home is worth more than 62% of homes in Cardinal 23025.

How it measures up in Cardinal 23025

The dot is this home. The mark in the middle is the typical home in Cardinal 23025.

Estimated value$396,748
CheaperTypical $278,787Pricier

Pricier than 62% of homes nearby

Price per ft²$165
CheaperTypical $217Pricier

Pricier than 31% of homes nearby

Living area2,400 ft²
SmallerTypical 1,768 ft²Bigger

Bigger than 76% of homes nearby

Lot size0.48 ac
SmallerTypical 2.51 acBigger

Bigger than 2% of homes nearby

Year built1903
OlderTypical 1968Newer

Newer than 14% of homes nearby

How 2809 E River Rd ranks against every home in each area.
MeasureThis homeCardinal 23025Mathews County
Estimated valuepricier than$396,74862% of homes67% of homes
Price per ft²pricier than$16531% of homes32% of homes
Living areabigger than2,400 ft²76% of homes81% of homes
Lot sizebigger than0.48 ac2% of homes14% of homes
Year builtnewer than190314% of homes11% of homes

About 2809 E River Rd

How much is 2809 E River Rd, Cardinal, VA worth?

The TopHap Estimate for 2809 E River Rd, Cardinal, VA is $396,748 as of Jul 14, 2026. The likely range is $179,252 to $614,244. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2809 E River Rd, Cardinal, VA last sell?

2809 E River Rd, Cardinal, VA last sold on Feb 20, 2015 for $20,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 2809 E River Rd, Cardinal, VA?

2809 E River Rd, Cardinal, VA has 5 bedrooms, 1 bathrooms, 2,400 square feet of living space and a 0.48-acre lot.

When was 2809 E River Rd, Cardinal, VA built?

2809 E River Rd, Cardinal, VA was built in 1903, making it 123 years old. The building has 2 stories.

What schools serve 2809 E River Rd, Cardinal, VA?

2809 E River Rd, Cardinal, VA is assigned to Mathews Elementary School (elementary), rated A; Thomas Hunter Middle School (middle), rated C+; Mathews High School (high), rated C-. All sit in Mathews County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2809 E River Rd, Cardinal, VA compare to other homes in Cardinal 23025?

Among the 202 homes in Cardinal 23025, it is worth more than 62% of them ($396,748 against a typical $278,787), its price per square foot is higher than 31% of them ($165 against a typical $217), it is bigger than 76% of them (2,400 ft² against a typical 1,768 ft²), its lot is bigger than 2% of them (0.48 ac against a typical 2.51 ac) and it is newer than 14% of them (1903 against a typical 1968). Measured against all of Mathews County, it is worth more than 67% 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 2809 E River Rd, Cardinal, VA?

The 2025 property tax bill for 2809 E River Rd, Cardinal, VA was $829. The county assessed it at $133,700.

More homes on E River Rd

Closest homes

More homes in Cardinal 23025

Assigned schools

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