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Single Family ResidenceResidential
$347,327$154 / 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 Jul 14, 2026
Last sold for $230,000 on Nov 30, 2016

3940 GARDEN RD

RICHMOND, VA 23235
3
Beds
2
Baths
2,250 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.
0.63 ac
Lot SizeThe size of the land the home sits on, from county records.
1995
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$347K
$327K low$368K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$230,000 · Nov 30, 2016
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.$182,827
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$146,262
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.41%
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.$164,500
ALCOVA MORTGAGE LLC · R · 2.5% 2 · recorded Feb 5, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,608 (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.$384,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$97,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$287,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$378,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$384,000

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.22 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%
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.Cape Cod
CountyRICHMOND CITY
Lot (acres)The size of the land the home sits on, from county records.0.63
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
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.Central
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.Deck · 144 ft²Porch · 32 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
J.B. Fisher Elementary SchoolC+
Elementary · Grades PK–5 · 0.3 mi
H
Huguenot High SchoolD-
High · Grades 9–12 · 2.7 mi
M
Lucille M. Brown Middle SchoolF
Middle · Grades 6–8 · 4.4 mi

District: Richmond City Public Schools

Neighborhood · ZIP 23235These 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.88
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.98
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.66

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.31%
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.0.9%
PopulationHow many people live in this area.35,853
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,009 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$92,049
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$111,705
Average tempThe average temperature here across a full year.57°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

3940 Garden 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 69% of homes in Richmond city County
  • Bigger than 79% of homes in Richmond city County
  • Has a bigger lot than 93% of homes in Richmond city County
  • Newer than 89% of homes in Richmond 23235

What homes are worth in Richmond 23235

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

This home
$157K$700K

This home is worth more than 61% of homes in Richmond 23235.

How it measures up in Richmond 23235

The dot is this home. The mark in the middle is the typical home in Richmond 23235.

Estimated value$347,327
CheaperTypical $320,300Pricier

Pricier than 61% of homes nearby

Price per ft²$154
CheaperTypical $162Pricier

Pricier than 42% of homes nearby

Living area2,250 ft²
SmallerTypical 1,976 ft²Bigger

Bigger than 66% of homes nearby

Lot size0.63 ac
SmallerTypical 0.4 acBigger

Bigger than 79% of homes nearby

Year built1995
OlderTypical 1973Newer

Newer than 89% of homes nearby

How 3940 Garden Rd ranks against every home in each area.
MeasureThis homeHuguenotRichmond 23235Richmond city County
Estimated valuepricier than$347,32742% of homes61% of homes69% of homes
Price per ft²pricier than$15437% of homes42% of homes40% of homes
Living areabigger than2,250 ft²46% of homes66% of homes79% of homes
Lot sizebigger than0.63 ac64% of homes79% of homes93% of homes
Year builtnewer than199582% of homes89% of homes87% of homes

About 3940 Garden Rd

How much is 3940 Garden Rd, Richmond, VA worth?

The TopHap Estimate for 3940 Garden Rd, Richmond, VA is $347,327 as of Jul 14, 2026. The likely range is $326,975 to $367,679. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3940 Garden Rd, Richmond, VA last sell?

3940 Garden Rd, Richmond, VA last sold on Nov 30, 2016 for $230,000, according to the county's recorded deed.

How big is 3940 Garden Rd, Richmond, VA?

3940 Garden Rd, Richmond, VA has 3 bedrooms, 2 bathrooms, 2,250 square feet of living space and a 0.63-acre lot.

When was 3940 Garden Rd, Richmond, VA built?

3940 Garden Rd, Richmond, VA was built in 1995, making it 31 years old. It is a cape cod home. The building has 1 story.

What schools serve 3940 Garden Rd, Richmond, VA?

3940 Garden Rd, Richmond, VA is assigned to J.B. Fisher Elementary School (elementary), rated C+; Huguenot High School (high), rated D-; Lucille M. Brown Middle School (middle), rated F. All sit in Richmond City Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3940 Garden Rd, Richmond, VA compare to other homes in Richmond 23235?

Among the 12,619 homes in Richmond 23235, it is worth more than 61% of them ($347,327 against a typical $320,300), its price per square foot is higher than 42% of them ($154 against a typical $162), it is bigger than 66% of them (2,250 ft² against a typical 1,976 ft²), its lot is bigger than 79% of them (0.63 ac against a typical 0.4 ac) and it is newer than 89% of them (1995 against a typical 1973). Measured against all of Richmond city County, it is worth more than 69% 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 3940 Garden Rd, Richmond, VA?

The 2026 property tax bill for 3940 Garden Rd, Richmond, VA was $4,608. The county assessed it at $384,000.

Closest homes

More homes in Richmond 23235

Assigned schools

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