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Single Family ResidenceResidential
$289,500$243 / 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 76How 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 $74,100 on Apr 2, 2014

3189 JAMES RIVER RD

HOWARDSVILLE, VA 24562
2
Beds
1
Baths
1,189 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.
3 ac
Lot SizeThe size of the land the home sits on, from county records.
1983
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$290K
$220K low$359K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$74,100 · Apr 2, 2014
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.$224,050
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$179,240
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.23%
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.$65,450
ELIZABETH C BERNATOWICZ · R · recorded Apr 2, 2014

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,996 (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.$223,300 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$39,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$184,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$199,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$223,300

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.68 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
CountyALBEMARLE
Lot (acres)The size of the land the home sits on, from county records.3.00
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Baseboard
PoolWhether the property has a pool, and what kind, such as in-ground.No

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
Scottsville Elementary SchoolD+
Elementary · Grades PK–5 · 8.8 mi
M
Walton Middle SchoolC
Middle · Grades 6–8 · 13.3 mi
H
Monticello High SchoolB
High · Grades 9–12 · 19.5 mi

District: Albemarle County Public Schools

Neighborhood · ZIP 24562These 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.134
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.84

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.83%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.3%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.17%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.639
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.26 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$48,475
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$58,335
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.46 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

3189 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 less than 87% of homes in Albemarle County
  • Costs less per square foot than 76% of homes in Albemarle County
  • Smaller than 84% of homes in Albemarle County
  • Has a bigger lot than 77% of homes in Albemarle County

What homes are worth in Howardsville 24562

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

This home
$53K$726K

This home is worth more than 83% of homes in Howardsville 24562.

How it measures up in Howardsville 24562

The dot is this home. The mark in the middle is the typical home in Howardsville 24562.

Estimated value$289,500
CheaperTypical $122,123Pricier

Pricier than 83% of homes nearby

Price per ft²$243
CheaperTypical $226Pricier

Pricier than 63% of homes nearby

Living area1,189 ft²
SmallerTypical 1,523 ft²Bigger

Bigger than 36% of homes nearby

Lot size3 ac
SmallerTypical 5 acBigger

Bigger than 31% of homes nearby

Year built1983
OlderTypical 1989Newer

Newer than 37% of homes nearby

How 3189 James River Rd ranks against every home in each area.
MeasureThis homeHowardsville 24562Albemarle County
Estimated valuepricier than$289,50083% of homes13% of homes
Price per ft²pricier than$24363% of homes24% of homes
Living areabigger than1,189 ft²36% of homes16% of homes
Lot sizebigger than3 ac31% of homes77% of homes
Year builtnewer than198337% of homes38% of homes

About 3189 James River Rd

How much is 3189 James River Rd, Howardsville, VA worth?

The TopHap Estimate for 3189 James River Rd, Howardsville, VA is $289,500 as of Jul 14, 2026. The likely range is $219,573 to $359,427. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3189 James River Rd, Howardsville, VA last sell?

3189 James River Rd, Howardsville, VA last sold on Apr 2, 2014 for $74,100, according to the county's recorded deed.

How big is 3189 James River Rd, Howardsville, VA?

3189 James River Rd, Howardsville, VA has 2 bedrooms, 1 bathrooms, 1,189 square feet of living space and a 3.00-acre lot.

When was 3189 James River Rd, Howardsville, VA built?

3189 James River Rd, Howardsville, VA was built in 1983, making it 43 years old. The building has 1 story.

What schools serve 3189 James River Rd, Howardsville, VA?

3189 James River Rd, Howardsville, VA is assigned to Scottsville Elementary School (elementary), rated D+; Walton Middle School (middle), rated C; Monticello High School (high), rated B. All sit in Albemarle County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3189 James River Rd, Howardsville, VA compare to other homes in Howardsville 24562?

Among the 385 homes in Howardsville 24562, it is worth more than 83% of them ($289,500 against a typical $122,123), its price per square foot is higher than 63% of them ($243 against a typical $226), it is bigger than 36% of them (1,189 ft² against a typical 1,523 ft²), its lot is bigger than 31% of them (3 ac against a typical 5 ac) and it is newer than 37% of them (1983 against a typical 1989). Measured against all of Albemarle County, it is worth more than 13% 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 3189 James River Rd, Howardsville, VA?

The 2026 property tax bill for 3189 James River Rd, Howardsville, VA was $1,996. The county assessed it at $223,300.

Closest homes

More homes in Howardsville 24562

Assigned schools

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