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Single Family ResidenceResidential
$394,169$284 / 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 46How 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

3109 FRENCH ST

RICHMOND, VA 23221
3
Beds
1
Baths
1,386 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.
0.19 ac
Lot SizeThe size of the land the home sits on, from county records.
1945
Year BuiltThe year the home was originally built, according to 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

$394K
$183K low$605K 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.$302,125
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$241,700
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.26%
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.$60,000
VIRGINIA CU · recorded Mar 13, 2007
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.$32,044
WACHOVIA BANK NATIONAL AS

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,236 (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.$353,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$160,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$193,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$351,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$353,000

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.13 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.Cape Cod
CountyRICHMOND CITY
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.1998
Lot (acres)The size of the land the home sits on, from county records.0.19
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
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.Forced Air With Air Conditioning
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 · 120 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.

E
John B. Cary Elementary SchoolA-
Elementary · Grades KG–5 · 0.2 mi
M
Albert Hill Middle SchoolC-
Middle · Grades 6–8 · 1.1 mi
H
Thomas Jefferson High SchoolC-
High · Grades 9–12 · 1.7 mi

District: Richmond City Public Schools

Neighborhood · ZIP 23221These 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.86
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 100.62

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.43%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.14,693
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.4,360 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$108,758
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$144,947
Average tempThe average temperature here across a full year.57°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

3109 French 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 75% of homes in Richmond city County
  • Costs more per square foot than 88% of homes in Richmond city County
  • Smaller than 73% of homes in Richmond 23221
  • Has a bigger lot than 73% of homes in Richmond 23221
  • Newer than 65% of homes in Richmond 23221

What homes are worth in Richmond 23221

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

This home
$190K$1.9M

This home is worth more than 39% of homes in Richmond 23221.

How it measures up in Richmond 23221

The dot is this home. The mark in the middle is the typical home in Richmond 23221.

Estimated value$394,169
CheaperTypical $460,733Pricier

Pricier than 39% of homes nearby

Price per ft²$284
CheaperTypical $264Pricier

Pricier than 62% of homes nearby

Living area1,386 ft²
SmallerTypical 1,897 ft²Bigger

Bigger than 27% of homes nearby

Lot size0.19 ac
SmallerTypical 0.13 acBigger

Bigger than 73% of homes nearby

Year built1945
OlderTypical 1938Newer

Newer than 65% of homes nearby

How 3109 French St ranks against every home in each area.
MeasureThis homeCarillonRichmond 23221Richmond city County
Estimated valuepricier than$394,16953% of homes39% of homes75% of homes
Price per ft²pricier than$28475% of homes62% of homes88% of homes
Living areabigger than1,386 ft²29% of homes27% of homes39% of homes
Lot sizebigger than0.19 ac52% of homes73% of homes61% of homes
Year builtnewer than194542% of homes65% of homes45% of homes

About 3109 French St

How much is 3109 French St, Richmond, VA worth?

The TopHap Estimate for 3109 French St, Richmond, VA is $394,169 as of Jul 14, 2026. The likely range is $182,950 to $605,388. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3109 French St, Richmond, VA last sell?

3109 French St, Richmond, VA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3109 French St, Richmond, VA?

3109 French St, Richmond, VA has 3 bedrooms, 1 bathrooms, 1,386 square feet of living space and a 0.19-acre lot.

When was 3109 French St, Richmond, VA built?

3109 French St, Richmond, VA was built in 1945, making it 81 years old. It is a cape cod home. The building has 1 story.

What schools serve 3109 French St, Richmond, VA?

3109 French St, Richmond, VA is assigned to John B. Cary Elementary School (elementary), rated A-; Albert Hill Middle School (middle), rated C-; Thomas Jefferson High School (high), rated C-. All sit in Richmond City Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3109 French St, Richmond, VA compare to other homes in Richmond 23221?

Among the 5,088 homes in Richmond 23221, it is worth more than 39% of them ($394,169 against a typical $460,733), its price per square foot is higher than 62% of them ($284 against a typical $264), it is bigger than 27% of them (1,386 ft² against a typical 1,897 ft²), its lot is bigger than 73% of them (0.19 ac against a typical 0.13 ac) and it is newer than 65% of them (1945 against a typical 1938). Measured against all of Richmond city County, it is worth more than 75% 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 3109 French St, Richmond, VA?

The 2026 property tax bill for 3109 French St, Richmond, VA was $4,236. The county assessed it at $353,000.

Closest homes

More homes in Richmond 23221

Assigned schools

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