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Single Family ResidenceResidential
$118,496$165 / 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 66How 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 $99,500 on Jul 22, 2019

3840 HOWARD RD

RICHMOND, VA 23223
2
Beds
1
Baths
719 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.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1948
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.

Valuation

$118K
$78K low$159K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$99,500 · Jul 22, 2019
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.$21,981
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$17,585
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.85%
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.$96,515
MOVEMENT MORTGAGE LLC · recorded Jul 22, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,206 (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.$145,300 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$34,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$111,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$133,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$145,300

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.53
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
11
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.
78
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
CountyHENRICO
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.1977
Lot (acres)The size of the land the home sits on, from county records.0.20
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.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(4)

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
Harvie Elementary SchoolC
Elementary · Grades PK–5 · 0.6 mi
M
Fairfield Middle SchoolD-
Middle · Grades 6–8 · 2.7 mi
H
Highland Springs High SchoolD
High · Grades 9–12 · 4.4 mi

District: Henrico County Public Schools

Neighborhood · ZIP 23223These 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.129
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 100.65

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
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.52,337
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,080 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,361
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,419
Average tempThe average temperature here across a full year.58°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

3840 Howard 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 98% of homes in Henrico County
  • Among the smallest homes in Henrico County
  • Has a smaller lot than 75% of homes in Henrico County
  • Older than 93% of homes in Henrico County

What homes are worth in Richmond 23223

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

This home
$77K$545K

This home is worth more than 11% of homes in Richmond 23223.

How it measures up in Richmond 23223

The dot is this home. The mark in the middle is the typical home in Richmond 23223.

Estimated value$118,496
CheaperTypical $208,228Pricier

Pricier than 11% of homes nearby

Price per ft²$165
CheaperTypical $151Pricier

Pricier than 62% of homes nearby

Living area719 ft²
SmallerTypical 1,378 ft²Bigger

Bigger than 4% of homes nearby

Lot size0.2 ac
SmallerTypical 0.18 acBigger

Bigger than 55% of homes nearby

Year built1948
OlderTypical 1968Newer

Newer than 30% of homes nearby

How 3840 Howard Rd ranks against every home in each area.
MeasureThis homeRichmond 23223Henrico County
Estimated valuepricier than$118,49611% of homes2% of homes
Price per ft²pricier than$16562% of homes39% of homes
Living areabigger than719 ft²4% of homesalmost no homes
Lot sizebigger than0.2 ac55% of homes25% of homes
Year builtnewer than194830% of homes7% of homes

About 3840 Howard Rd

How much is 3840 Howard Rd, Richmond, VA worth?

The TopHap Estimate for 3840 Howard Rd, Richmond, VA is $118,496 as of Jul 14, 2026. The likely range is $77,673 to $159,319. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3840 Howard Rd, Richmond, VA last sell?

3840 Howard Rd, Richmond, VA last sold on Jul 22, 2019 for $99,500, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 3840 Howard Rd, Richmond, VA?

3840 Howard Rd, Richmond, VA has 2 bedrooms, 1 bathrooms, 719 square feet of living space and a 0.20-acre lot.

When was 3840 Howard Rd, Richmond, VA built?

3840 Howard Rd, Richmond, VA was built in 1948, making it 78 years old. It is a ranch home. The building has 1 story.

What schools serve 3840 Howard Rd, Richmond, VA?

3840 Howard Rd, Richmond, VA is assigned to Harvie Elementary School (elementary), rated C; Fairfield Middle School (middle), rated D-; Highland Springs High School (high), rated D. All sit in Henrico County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3840 Howard Rd, Richmond, VA compare to other homes in Richmond 23223?

Among the 15,118 homes in Richmond 23223, it is worth more than 11% of them ($118,496 against a typical $208,228), its price per square foot is higher than 62% of them ($165 against a typical $151), it is bigger than 4% of them (719 ft² against a typical 1,378 ft²), its lot is bigger than 55% of them (0.2 ac against a typical 0.18 ac) and it is newer than 30% of them (1948 against a typical 1968). Measured against all of Henrico County, it is worth more than 2% 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 3840 Howard Rd, Richmond, VA?

The 2026 property tax bill for 3840 Howard Rd, Richmond, VA was $1,206. The county assessed it at $145,300.

Closest homes

More homes in Richmond 23223

Assigned schools

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