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Single Family ResidenceResidential
$700,745$242 / 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 88How 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 $730,000 on Apr 16, 2025

409 W CLAY ST

RICHMOND, VA 23220
4
Beds
3.5
Baths
2,890 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.
3,267 ft²
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
2
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.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$701K
$618K low$783K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$730,000 · Apr 16, 2025
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.$116,745
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$93,396
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.$584,000
PROSPERITY HOME MORTGAGE LLC · recorded Apr 16, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,496 (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.$708,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$105,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$603,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$703,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$708,000

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.Contemporary
CountyRICHMOND CITY
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.1985
Lot (acres)The size of the land the home sits on, from county records.0.07
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 · 105 ft²Porch · 123 ft²

Transaction History(6)

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
George W. Carver Elementary SchoolF
Elementary · Grades KG–5 · 0.4 mi
M
Albert Hill Middle SchoolC-
Middle · Grades 6–8 · 2.2 mi
H
Thomas Jefferson High SchoolC-
High · Grades 9–12 · 2.8 mi

District: Richmond City Public Schools

Neighborhood · ZIP 23220These 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.118
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.67

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.39%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.22%
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.39,857
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.8,201 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$61,038
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$84,454
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

409 W Clay St 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.

  • Among the most valuable homes in Jackson Ward
  • Costs more per square foot than 78% of homes in Jackson Ward
  • Bigger than 89% of homes in Richmond city County
  • Has a smaller lot than 80% of homes in Richmond city County
  • Newer than 84% of homes in Jackson Ward

What homes are worth in Richmond 23220

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

This home
$120K$1.2M

This home is worth more than 89% of homes in Richmond 23220.

How it measures up in Richmond 23220

The dot is this home. The mark in the middle is the typical home in Richmond 23220.

Estimated value$700,745
CheaperTypical $314,666Pricier

Pricier than 89% of homes nearby

Price per ft²$242
CheaperTypical $209Pricier

Pricier than 69% of homes nearby

Living area2,890 ft²
SmallerTypical 1,734 ft²Bigger

Bigger than 84% of homes nearby

Lot size3,267 ft²
SmallerTypical 3,006 ft²Bigger

Bigger than 57% of homes nearby

Year built1920
OlderTypical 1920Newer

Newer than 54% of homes nearby

How 409 W Clay St ranks against every home in each area.
MeasureThis homeJackson WardRichmond 23220Richmond city County
Estimated valuepricier than$700,745almost all homes89% of homes93% of homes
Price per ft²pricier than$24278% of homes69% of homes78% of homes
Living areabigger than2,890 ft²88% of homes84% of homes89% of homes
Lot sizebigger than3,267 ft²73% of homes57% of homes20% of homes
Year builtnewer than192084% of homes54% of homes18% of homes

About 409 W Clay St

How much is 409 W Clay St, Richmond, VA worth?

The TopHap Estimate for 409 W Clay St, Richmond, VA is $700,745 as of Jul 14, 2026. The likely range is $618,309 to $783,181. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 409 W Clay St, Richmond, VA last sell?

409 W Clay St, Richmond, VA last sold on Apr 16, 2025 for $730,000, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 409 W Clay St, Richmond, VA?

409 W Clay St, Richmond, VA has 4 bedrooms, 3.5 bathrooms, 2,890 square feet of living space and a 0.07-acre lot.

When was 409 W Clay St, Richmond, VA built?

409 W Clay St, Richmond, VA was built in 1920, making it 106 years old. It is a contemporary home. The building has 2 stories.

What schools serve 409 W Clay St, Richmond, VA?

409 W Clay St, Richmond, VA is assigned to George W. Carver Elementary School (elementary), rated F; Albert Hill Middle School (middle), rated C-; Thomas Jefferson High School (high), rated C-. All sit in Richmond City Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 409 W Clay St, Richmond, VA compare to other homes in Richmond 23220?

Among the 8,426 homes in Richmond 23220, it is worth more than 89% of them ($700,745 against a typical $314,666), its price per square foot is higher than 69% of them ($242 against a typical $209), it is bigger than 84% of them (2,890 ft² against a typical 1,734 ft²), its lot is bigger than 57% of them (3,267 ft² against a typical 3,006 ft²) and it is newer than 54% of them (1920 against a typical 1920). Measured against all of Richmond city County, it is worth more than 93% 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 409 W Clay St, Richmond, VA?

The 2026 property tax bill for 409 W Clay St, Richmond, VA was $8,496. The county assessed it at $708,000.

Closest homes

More homes in Richmond 23220

Assigned schools

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