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Single Family ResidenceResidential
$477,096$188 / 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 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $284,900 on Sep 30, 2013

321 PROSPECT LN

TROY, VA 22974
4
Beds
2.5
Baths
2,538 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.
10 ac
Lot SizeThe size of the land the home sits on, from county records.
1850
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.
6
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$477K
$449K low$506K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$284,900 · Sep 30, 2013

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,263 (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.$432,240 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$81,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$351,240
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$432,240
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$432,240

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.58
49
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
23
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
83
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
93
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
42
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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
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.1958
Lot (acres)The size of the land the home sits on, from county records.10.00
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Tin
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
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.Deck · 48 ft²Porch · 328 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 · 7.6 mi
M
Fluvanna Middle SchoolB
Middle · Grades 5–7 · 10.5 mi
E
Central Elementary SchoolC
Elementary · Grades 1–2 · 10.7 mi

District: Fluvanna County Public Schools

Neighborhood · ZIP 22974These 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.61
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.93
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.85

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.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.4%
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.6,052
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.150 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$114,546
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$123,064
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%

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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

321 Prospect 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 more than 77% of homes in Fluvanna County
  • Costs less per square foot than 91% of homes in Troy 22974
  • Bigger than 90% of homes in Zion Crossroads
  • Has a bigger lot than 87% of homes in Fluvanna County
  • Among the oldest homes in Zion Crossroads

What homes are worth in Troy 22974

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

This home
$184K$1.1M

This home is worth more than 61% of homes in Troy 22974.

How it measures up in Troy 22974

The dot is this home. The mark in the middle is the typical home in Troy 22974.

Estimated value$477,096
CheaperTypical $432,743Pricier

Pricier than 61% of homes nearby

Price per ft²$188
CheaperTypical $240Pricier

Pricier than 9% of homes nearby

Living area2,538 ft²
SmallerTypical 1,798 ft²Bigger

Bigger than 82% of homes nearby

Lot size10 ac
SmallerTypical 2.16 acBigger

Bigger than 86% of homes nearby

Year built1850
OlderTypical 1995Newer

Older than almost all homes nearby

How 321 Prospect Ln ranks against every home in each area.
MeasureThis homeZion CrossroadsTroy 22974Fluvanna County
Estimated valuepricier than$477,09674% of homes61% of homes77% of homes
Price per ft²pricier than$18812% of homes9% of homes18% of homes
Living areabigger than2,538 ft²90% of homes82% of homes90% of homes
Lot sizebigger than10 ac85% of homes86% of homes87% of homes
Year builtnewer than1850almost no homesalmost no homesalmost no homes

About 321 Prospect Ln

How much is 321 Prospect Ln, Troy, VA worth?

The TopHap Estimate for 321 Prospect Ln, Troy, VA is $477,096 as of Sep 24, 2026. The likely range is $448,517 to $505,675. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 321 Prospect Ln, Troy, VA last sell?

321 Prospect Ln, Troy, VA last sold on Sep 30, 2013 for $284,900, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 321 Prospect Ln, Troy, VA?

321 Prospect Ln, Troy, VA has 4 bedrooms, 2.5 bathrooms, 2,538 square feet of living space and a 10.00-acre lot.

When was 321 Prospect Ln, Troy, VA built?

321 Prospect Ln, Troy, VA was built in 1850, making it 176 years old. The building has 2 stories.

What schools serve 321 Prospect Ln, Troy, VA?

321 Prospect Ln, Troy, 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 321 Prospect Ln, Troy, VA compare to other homes in Troy 22974?

Among the 1,817 homes in Troy 22974, it is worth more than 61% of them ($477,096 against a typical $432,743), its price per square foot is higher than 9% of them ($188 against a typical $240), it is bigger than 82% of them (2,538 ft² against a typical 1,798 ft²), its lot is bigger than 86% of them (10 ac against a typical 2.16 ac) and it is newer than almost none of them (1850 against a typical 1995). Measured against all of Fluvanna County, it is worth more than 77% 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 321 Prospect Ln, Troy, VA?

The 2025 property tax bill for 321 Prospect Ln, Troy, VA was $3,263. The county assessed it at $432,240.

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