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Single Family ResidenceResidential
$478,549$156 / 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 79How 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 $70,000 on Jul 8, 2015

3648 DERBY RIDGE LOOP

MIDLOTHIAN, VA 23113
4
Beds
3.5
Baths
3,071 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.
0.58 ac
Lot SizeThe size of the land the home sits on, from county records.
2000
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$479K
$380K low$577K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$70,000 · Jul 8, 2015
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.$238,549
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$190,839
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.52%
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.$240,000
WELLS FARGO BANK · recorded Aug 11, 2010

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,668 (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.$634,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$159,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$474,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$614,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$634,000

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.44
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
20
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
81
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
94
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
24
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.Traditional/Old
CountyCHESTERFIELD
Lot (acres)The size of the land the home sits on, from county records.0.58
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.Composition Shingle
HeatingThe type of heating system in the home.Gas
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.Patio · 256 ft²Porch · 91 ft²

Transaction History(1)

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
Bettie Weaver Elementary SchoolA
Elementary · Grades PK–5 · 0.8 mi
H
James River High SchoolC
High · Grades 9–12 · 0.9 mi
M
Robious Middle SchoolA
Middle · Grades 6–8 · 3.3 mi

District: Chesterfield County Public Schools

Neighborhood · ZIP 23113These 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.68
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.72

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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.38%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.0%
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.29,470
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.834 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$150,158
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$192,095
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

3648 Derby Ridge Loop 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 79% of homes in Chesterfield County
  • Costs less per square foot than 85% of homes in Midlothian 23113
  • Bigger than 83% of homes in Chesterfield County
  • Has a bigger lot than 70% of homes in Chesterfield County
  • Newer than 69% of homes in Midlothian 23113

What homes are worth in Midlothian 23113

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

This home
$219K$1.4M

This home is worth more than 31% of homes in Midlothian 23113.

How it measures up in Midlothian 23113

The dot is this home. The mark in the middle is the typical home in Midlothian 23113.

Estimated value$478,549
CheaperTypical $605,746Pricier

Pricier than 31% of homes nearby

Price per ft²$156
CheaperTypical $190Pricier

Pricier than 15% of homes nearby

Living area3,071 ft²
SmallerTypical 3,029 ft²Bigger

Bigger than 52% of homes nearby

Lot size0.58 ac
SmallerTypical 0.73 acBigger

Bigger than 39% of homes nearby

Year built2000
OlderTypical 1990Newer

Newer than 69% of homes nearby

How 3648 Derby Ridge Loop ranks against every home in each area.
MeasureThis homeMidlothian 23113Chesterfield County
Estimated valuepricier than$478,54931% of homes79% of homes
Price per ft²pricier than$15615% of homes45% of homes
Living areabigger than3,071 ft²52% of homes83% of homes
Lot sizebigger than0.58 ac39% of homes70% of homes
Year builtnewer than200069% of homes66% of homes

About 3648 Derby Ridge Loop

How much is 3648 Derby Ridge Loop, Midlothian, VA worth?

The TopHap Estimate for 3648 Derby Ridge Loop, Midlothian, VA is $478,549 as of Jul 14, 2026. The likely range is $380,162 to $576,936. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3648 Derby Ridge Loop, Midlothian, VA last sell?

3648 Derby Ridge Loop, Midlothian, VA last sold on Jul 8, 2015 for $70,000, according to the county's recorded deed.

How big is 3648 Derby Ridge Loop, Midlothian, VA?

3648 Derby Ridge Loop, Midlothian, VA has 4 bedrooms, 3.5 bathrooms, 3,071 square feet of living space and a 0.58-acre lot.

When was 3648 Derby Ridge Loop, Midlothian, VA built?

3648 Derby Ridge Loop, Midlothian, VA was built in 2000, making it 26 years old. It is a traditional/old home. The building has 1 story.

What schools serve 3648 Derby Ridge Loop, Midlothian, VA?

3648 Derby Ridge Loop, Midlothian, VA is assigned to Bettie Weaver Elementary School (elementary), rated A; James River High School (high), rated C; Robious Middle School (middle), rated A. All sit in Chesterfield County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3648 Derby Ridge Loop, Midlothian, VA compare to other homes in Midlothian 23113?

Among the 10,207 homes in Midlothian 23113, it is worth more than 31% of them ($478,549 against a typical $605,746), its price per square foot is higher than 15% of them ($156 against a typical $190), it is bigger than 52% of them (3,071 ft² against a typical 3,029 ft²), its lot is bigger than 39% of them (0.58 ac against a typical 0.73 ac) and it is newer than 69% of them (2000 against a typical 1990). Measured against all of Chesterfield County, it is worth more than 79% 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 3648 Derby Ridge Loop, Midlothian, VA?

The 2026 property tax bill for 3648 Derby Ridge Loop, Midlothian, VA was $5,668. The county assessed it at $634,000.

Closest homes

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Assigned schools

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