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Single Family ResidenceResidential
$497,032$162 / 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 91How 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 $321,900 on Jan 31, 2006

3 JAMES RIVER RD

PALMYRA, VA 22963
4
Beds
2.5
Baths
3,063 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.
0.34 ac
Lot SizeThe size of the land the home sits on, from county records.
2006
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
10
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$497K
$452K low$542K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$321,900 · Jan 31, 2006
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.$232,032
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$185,626
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.59%
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.$265,000
ROCKET MORTGAGE LLC · recorded May 16, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,428 (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.$454,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$30,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$424,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$454,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$454,100

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyFLUVANNA
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2016
Lot (acres)The size of the land the home sits on, from county records.0.34
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.Yes
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 · 144 ft²Porch · 234 ft²

Transaction History(2)

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.

H
Fluvanna County High SchoolC+
High · Grades 8–12 · 2.1 mi
M
Fluvanna Middle SchoolB
Middle · Grades 5–7 · 5.5 mi
E
Central Elementary SchoolC
Elementary · Grades 1–2 · 5.6 mi

District: Fluvanna County Public Schools

Neighborhood · ZIP 22963These 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.92
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 100.83

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.17,909
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.148 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$99,157
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$142,187
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.44 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

3 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 83% of homes in Palmyra 22963
  • Costs less per square foot than 92% of homes in Palmyra 22963
  • Bigger than 96% of homes in Palmyra 22963
  • Has a smaller lot than 83% of homes in Fluvanna County
  • Newer than 82% of homes in Fluvanna County

What homes are worth in Palmyra 22963

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

This home
$151K$787K

This home is worth more than 83% of homes in Palmyra 22963.

How it measures up in Palmyra 22963

The dot is this home. The mark in the middle is the typical home in Palmyra 22963.

Estimated value$497,032
CheaperTypical $353,102Pricier

Pricier than 83% of homes nearby

Price per ft²$162
CheaperTypical $218Pricier

Pricier than 8% of homes nearby

Living area3,063 ft²
SmallerTypical 1,611 ft²Bigger

Bigger than 96% of homes nearby

Lot size0.34 ac
SmallerTypical 0.48 acBigger

Bigger than 25% of homes nearby

Year built2006
OlderTypical 1997Newer

Newer than 81% of homes nearby

How 3 James River Rd ranks against every home in each area.
MeasureThis homePalmyra 22963Fluvanna County
Estimated valuepricier than$497,03283% of homes83% of homes
Price per ft²pricier than$1628% of homes12% of homes
Living areabigger than3,063 ft²96% of homes96% of homes
Lot sizebigger than0.34 ac25% of homes17% of homes
Year builtnewer than200681% of homes82% of homes

About 3 James River Rd

How much is 3 James River Rd, Palmyra, VA worth?

The TopHap Estimate for 3 James River Rd, Palmyra, VA is $497,032 as of Jul 14, 2026. The likely range is $452,469 to $541,595. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3 James River Rd, Palmyra, VA last sell?

3 James River Rd, Palmyra, VA last sold on Jan 31, 2006 for $321,900, according to the county's recorded deed.

How big is 3 James River Rd, Palmyra, VA?

3 James River Rd, Palmyra, VA has 4 bedrooms, 2.5 bathrooms, 3,063 square feet of living space and a 0.34-acre lot.

When was 3 James River Rd, Palmyra, VA built?

3 James River Rd, Palmyra, VA was built in 2006, making it 20 years old. The building has 2 stories.

What schools serve 3 James River Rd, Palmyra, VA?

3 James River Rd, Palmyra, VA is assigned to Fluvanna County High School (high), rated C+; Fluvanna Middle School (middle), rated B; Central Elementary School (elementary), rated C. All sit in Fluvanna County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3 James River Rd, Palmyra, VA compare to other homes in Palmyra 22963?

Among the 7,451 homes in Palmyra 22963, it is worth more than 83% of them ($497,032 against a typical $353,102), its price per square foot is higher than 8% of them ($162 against a typical $218), it is bigger than 96% of them (3,063 ft² against a typical 1,611 ft²), its lot is bigger than 25% of them (0.34 ac against a typical 0.48 ac) and it is newer than 81% of them (2006 against a typical 1997). Measured against all of Fluvanna County, it is worth more than 83% 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 3 James River Rd, Palmyra, VA?

The 2025 property tax bill for 3 James River Rd, Palmyra, VA was $3,428. The county assessed it at $454,100.

Closest homes

More homes in Palmyra 22963

Assigned schools

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