Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$236,452$204 / 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 61How 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

3909 RIVER BLUFFS PL

RICHMOND, VA 23223
4
Beds
2
Baths
1,160 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.
0.34 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.
3
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

$236K
$144K low$329K 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.$62,911
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$50,329
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.79%
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.$107,929
CHASE MANHATTAN MORTGAGE CORP · recorded Jun 3, 2004
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.$65,612
J P MORGAN CHASE BANK

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$280,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$55,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$225,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$231,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$280,000

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.62
43
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
13
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.10 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
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.2002
Lot (acres)The size of the land the home sits on, from county records.0.34
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
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

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 · 0.5 mi
M
Fairfield Middle SchoolD-
Middle · Grades 6–8 · 2.5 mi
H
Highland Springs High SchoolD
High · Grades 9–12 · 4.2 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

3909 River Bluffs Pl 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 69% of homes in Henrico County
  • Costs more per square foot than 82% of homes in Richmond 23223
  • Smaller than 81% of homes in Henrico County
  • Has a bigger lot than 87% of homes in Richmond 23223
  • Newer than 69% of homes in Richmond 23223

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 61% 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$236,452
CheaperTypical $208,228Pricier

Pricier than 61% of homes nearby

Price per ft²$204
CheaperTypical $151Pricier

Pricier than 82% of homes nearby

Living area1,160 ft²
SmallerTypical 1,378 ft²Bigger

Bigger than 34% of homes nearby

Lot size0.34 ac
SmallerTypical 0.18 acBigger

Bigger than 87% of homes nearby

Year built1994
OlderTypical 1968Newer

Newer than 69% of homes nearby

How 3909 River Bluffs Pl ranks against every home in each area.
MeasureThis homeRichmond 23223Henrico County
Estimated valuepricier than$236,45261% of homes31% of homes
Price per ft²pricier than$20482% of homes65% of homes
Living areabigger than1,160 ft²34% of homes19% of homes
Lot sizebigger than0.34 ac87% of homes63% of homes
Year builtnewer than199469% of homes65% of homes

About 3909 River Bluffs Pl

How much is 3909 River Bluffs Pl, Richmond, VA worth?

The TopHap Estimate for 3909 River Bluffs Pl, Richmond, VA is $236,452 as of Jul 14, 2026. The likely range is $144,050 to $328,854. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3909 River Bluffs Pl, Richmond, VA last sell?

3909 River Bluffs Pl, Richmond, VA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3909 River Bluffs Pl, Richmond, VA?

3909 River Bluffs Pl, Richmond, VA has 4 bedrooms, 2 bathrooms, 1,160 square feet of living space and a 0.34-acre lot.

When was 3909 River Bluffs Pl, Richmond, VA built?

3909 River Bluffs Pl, Richmond, VA was built in 1994, making it 32 years old. The building has 3 stories.

What schools serve 3909 River Bluffs Pl, Richmond, VA?

3909 River Bluffs Pl, 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 3909 River Bluffs Pl, Richmond, VA compare to other homes in Richmond 23223?

Among the 15,118 homes in Richmond 23223, it is worth more than 61% of them ($236,452 against a typical $208,228), its price per square foot is higher than 82% of them ($204 against a typical $151), it is bigger than 34% of them (1,160 ft² against a typical 1,378 ft²), its lot is bigger than 87% of them (0.34 ac against a typical 0.18 ac) and it is newer than 69% of them (1994 against a typical 1968). Measured against all of Henrico County, it is worth more than 31% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

Closest homes

More homes in Richmond 23223

Assigned schools

Explore the area

See this home in context

Open 3909 River Bluffs Pl on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map