Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$576,911$145 / 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 65How 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

3921 N RIVER RD

CARDINAL, VA 23025
2
Beds
3.5
Baths
3,981 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.
4.7 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

$577K
$374K low$779K 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.$395,911
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$316,729
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.33%
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.$131,000
CHESAPEAK BANK · 4% · recorded Feb 2, 2012
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.$50,000
BAYPORT CU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,459 (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.$396,600 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$149,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$247,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$396,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$396,600

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.72 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.89%
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.1 percent flood zone

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.Split Level
CountyMATHEWS
Lot (acres)The size of the land the home sits on, from county records.4.70
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
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
Mathews Elementary SchoolA
Elementary · Grades PK–4 · 3.6 mi
M
Thomas Hunter Middle SchoolC+
Middle · Grades 5–7 · 3.6 mi
H
Mathews High SchoolC-
High · Grades 8–12 · 4.0 mi

District: Mathews County Public Schools

Neighborhood · ZIP 23025These 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.100
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.33

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.71%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.4%
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.88
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.56 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,443
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$99,854
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.47 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

3921 N 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 more than 84% of homes in Mathews County
  • Costs less per square foot than 79% of homes in Mathews County
  • Bigger than 98% of homes in Mathews County
  • Has a bigger lot than 85% of homes in Mathews County

What homes are worth in Cardinal 23025

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

This home
$40K$1.3M

This home is worth more than 75% of homes in Cardinal 23025.

How it measures up in Cardinal 23025

The dot is this home. The mark in the middle is the typical home in Cardinal 23025.

Estimated value$576,911
CheaperTypical $278,787Pricier

Pricier than 75% of homes nearby

Price per ft²$145
CheaperTypical $217Pricier

Pricier than 23% of homes nearby

Living area3,981 ft²
SmallerTypical 1,768 ft²Bigger

Bigger than 96% of homes nearby

Lot size4.7 ac
SmallerTypical 2.51 acBigger

Bigger than 79% of homes nearby

Year built1983
OlderTypical 1968Newer

Newer than 63% of homes nearby

How 3921 N River Rd ranks against every home in each area.
MeasureThis homeCardinal 23025Mathews County
Estimated valuepricier than$576,91175% of homes84% of homes
Price per ft²pricier than$14523% of homes21% of homes
Living areabigger than3,981 ft²96% of homes98% of homes
Lot sizebigger than4.7 ac79% of homes85% of homes
Year builtnewer than198363% of homes63% of homes

About 3921 N River Rd

How much is 3921 N River Rd, Cardinal, VA worth?

The TopHap Estimate for 3921 N River Rd, Cardinal, VA is $576,911 as of Jul 14, 2026. The likely range is $374,462 to $779,360. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3921 N River Rd, Cardinal, VA last sell?

3921 N River Rd, Cardinal, VA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3921 N River Rd, Cardinal, VA?

3921 N River Rd, Cardinal, VA has 2 bedrooms, 3.5 bathrooms, 3,981 square feet of living space and a 4.70-acre lot.

When was 3921 N River Rd, Cardinal, VA built?

3921 N River Rd, Cardinal, VA was built in 1983, making it 43 years old. It is a split level home. The building has 1 story.

What schools serve 3921 N River Rd, Cardinal, VA?

3921 N River Rd, Cardinal, VA is assigned to Mathews Elementary School (elementary), rated A; Thomas Hunter Middle School (middle), rated C+; Mathews High School (high), rated C-. All sit in Mathews County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3921 N River Rd, Cardinal, VA compare to other homes in Cardinal 23025?

Among the 202 homes in Cardinal 23025, it is worth more than 75% of them ($576,911 against a typical $278,787), its price per square foot is higher than 23% of them ($145 against a typical $217), it is bigger than 96% of them (3,981 ft² against a typical 1,768 ft²), its lot is bigger than 79% of them (4.7 ac against a typical 2.51 ac) and it is newer than 63% of them (1983 against a typical 1968). Measured against all of Mathews County, it is worth more than 84% 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 3921 N River Rd, Cardinal, VA?

The 2026 property tax bill for 3921 N River Rd, Cardinal, VA was $2,459. The county assessed it at $396,600.

Closest homes

More homes in Cardinal 23025

Assigned schools

Explore the area

See this home in context

Open 3921 N River Rd 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