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Single Family ResidenceResidential
$242,544$217 / 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 81How 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

3 SWANNEE LN

ASHLAND, VA 23005
3
Beds
1.5
Baths
1,120 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.
0.25 ac
Lot SizeThe size of the land the home sits on, from county records.
1988
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$243K
$198K low$287K 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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.258%
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.$435,000
FINANCE OF AMERICA REVERSE LLC · 5.37% 1 · recorded Aug 27, 2025
2nd 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.$152,500
QUICKEN LNS

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,531 (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.$312,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$85,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$227,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$291,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$312,500

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.54
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
13
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
76
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
82
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
98
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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
CountyHANOVER
Lot (acres)The size of the land the home sits on, from county records.0.25
ConstructionThe main material the home's frame and walls are built from.Brick
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
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 · 120 ft²Patio · 120 ft²Porch · 75 ft²

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

E
Henry Clay Elementary School
Elementary · Grades PK–2 · 0.8 mi
M
Liberty Middle SchoolB-
Middle · Grades 6–8 · 3.9 mi
H
Patrick Henry High SchoolD
High · Grades 9–12 · 4.1 mi

District: Hanover County Public Schools

Neighborhood · ZIP 23005These 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.110
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.70

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.29%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.5%
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.21,018
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.295 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$95,258
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$121,217
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 Swannee Ln 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 less than 84% of homes in Hanover County
  • Costs more per square foot than 70% of homes in Hanover County
  • Smaller than 93% of homes in Hanover County
  • Has a smaller lot than 82% of homes in Hanover County

What homes are worth in Ashland 23005

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

This home
$140K$1M

This home is worth more than 20% of homes in Ashland 23005.

How it measures up in Ashland 23005

The dot is this home. The mark in the middle is the typical home in Ashland 23005.

Estimated value$242,544
CheaperTypical $356,364Pricier

Pricier than 20% of homes nearby

Price per ft²$217
CheaperTypical $199Pricier

Pricier than 61% of homes nearby

Living area1,120 ft²
SmallerTypical 1,890 ft²Bigger

Bigger than 13% of homes nearby

Lot size0.25 ac
SmallerTypical 0.69 acBigger

Bigger than 24% of homes nearby

Year built1988
OlderTypical 1990Newer

Newer than 48% of homes nearby

How 3 Swannee Ln ranks against every home in each area.
MeasureThis homeAshland 23005Hanover County
Estimated valuepricier than$242,54420% of homes16% of homes
Price per ft²pricier than$21761% of homes70% of homes
Living areabigger than1,120 ft²13% of homes7% of homes
Lot sizebigger than0.25 ac24% of homes18% of homes
Year builtnewer than198848% of homes43% of homes

About 3 Swannee Ln

How much is 3 Swannee Ln, Ashland, VA worth?

The TopHap Estimate for 3 Swannee Ln, Ashland, VA is $242,544 as of Jul 14, 2026. The likely range is $197,629 to $287,459. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3 Swannee Ln, Ashland, VA last sell?

3 Swannee Ln, Ashland, VA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3 Swannee Ln, Ashland, VA?

3 Swannee Ln, Ashland, VA has 3 bedrooms, 1.5 bathrooms, 1,120 square feet of living space and a 0.25-acre lot.

When was 3 Swannee Ln, Ashland, VA built?

3 Swannee Ln, Ashland, VA was built in 1988, making it 38 years old. It is a ranch home. The building has 1 story.

What schools serve 3 Swannee Ln, Ashland, VA?

3 Swannee Ln, Ashland, VA is assigned to Henry Clay Elementary School (elementary); Liberty Middle School (middle), rated B-; Patrick Henry High School (high), rated D. All sit in Hanover County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3 Swannee Ln, Ashland, VA compare to other homes in Ashland 23005?

Among the 7,503 homes in Ashland 23005, it is worth more than 20% of them ($242,544 against a typical $356,364), its price per square foot is higher than 61% of them ($217 against a typical $199), it is bigger than 13% of them (1,120 ft² against a typical 1,890 ft²), its lot is bigger than 24% of them (0.25 ac against a typical 0.69 ac) and it is newer than 48% of them (1988 against a typical 1990). Measured against all of Hanover County, it is worth more than 16% 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 Swannee Ln, Ashland, VA?

The 2026 property tax bill for 3 Swannee Ln, Ashland, VA was $2,531. The county assessed it at $312,500.

Closest homes

More homes in Ashland 23005

Assigned schools

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