Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$637,305$305 / 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 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026

428 RIVANNA WOODS DR

FORK UNION, VA 23055
3
Beds
3
Baths
2,087 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.
10 ac
Lot SizeThe size of the land the home sits on, from county records.
2004
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.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$637K
$593K low$682K 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.$527,305
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$421,844
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.17%
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.$110,000
WACHOVIA MORTGAGE FSB · 4.62% · recorded Jun 23, 2009

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,783 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$533,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$71,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$462,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$533,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$533,400

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.44
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
19
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
82
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.
42
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
CountyFLUVANNA
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.2015
Lot (acres)The size of the land the home sits on, from county records.10.00
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 310 ft²Patio · 346 ft²Porch · 207 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Fluvanna Middle SchoolB
Middle · Grades 5–7 · 5.9 mi
E
Central Elementary SchoolC
Elementary · Grades 1–2 · 5.9 mi
H
Fluvanna County High SchoolC+
High · Grades 8–12 · 9.1 mi

District: Fluvanna County Public Schools

Neighborhood · ZIP 23055These 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.126
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.92

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.89%
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.9.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.874
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.50 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,588
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$102,296
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.43 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

428 Rivanna Woods Dr 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 97% of homes in Fork Union 23055
  • Costs more per square foot than 97% of homes in Fork Union 23055
  • Bigger than 76% of homes in Fluvanna County
  • Has a bigger lot than 87% of homes in Fluvanna County
  • Newer than 84% of homes in Fork Union 23055

What homes are worth in Fork Union 23055

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

This home
$122K$703K

This home is worth more than 97% of homes in Fork Union 23055.

How it measures up in Fork Union 23055

The dot is this home. The mark in the middle is the typical home in Fork Union 23055.

Estimated value$637,305
CheaperTypical $279,523Pricier

Pricier than 97% of homes nearby

Price per ft²$305
CheaperTypical $179Pricier

Pricier than 97% of homes nearby

Living area2,087 ft²
SmallerTypical 1,664 ft²Bigger

Bigger than 70% of homes nearby

Lot size10 ac
SmallerTypical 3.38 acBigger

Bigger than 83% of homes nearby

Year built2004
OlderTypical 1975Newer

Newer than 84% of homes nearby

How 428 Rivanna Woods Dr ranks against every home in each area.
MeasureThis homeFork Union 23055Fluvanna County
Estimated valuepricier than$637,30597% of homes93% of homes
Price per ft²pricier than$30597% of homes93% of homes
Living areabigger than2,087 ft²70% of homes76% of homes
Lot sizebigger than10 ac83% of homes87% of homes
Year builtnewer than200484% of homes77% of homes

About 428 Rivanna Woods Dr

How much is 428 Rivanna Woods Dr, Fork Union, VA worth?

The TopHap Estimate for 428 Rivanna Woods Dr, Fork Union, VA is $637,305 as of Jun 23, 2026. The likely range is $592,693 to $681,916. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 428 Rivanna Woods Dr, Fork Union, VA last sell?

428 Rivanna Woods Dr, Fork Union, VA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 428 Rivanna Woods Dr, Fork Union, VA?

428 Rivanna Woods Dr, Fork Union, VA has 3 bedrooms, 3 bathrooms, 2,087 square feet of living space and a 10.00-acre lot.

When was 428 Rivanna Woods Dr, Fork Union, VA built?

428 Rivanna Woods Dr, Fork Union, VA was built in 2004, making it 22 years old. The building has 1 story.

What schools serve 428 Rivanna Woods Dr, Fork Union, VA?

428 Rivanna Woods Dr, Fork Union, VA is assigned to Fluvanna Middle School (middle), rated B; Central Elementary School (elementary), rated C; Fluvanna County High School (high), rated C+. All sit in Fluvanna County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 428 Rivanna Woods Dr, Fork Union, VA compare to other homes in Fork Union 23055?

Among the 356 homes in Fork Union 23055, it is worth more than 97% of them ($637,305 against a typical $279,523), its price per square foot is higher than 97% of them ($305 against a typical $179), it is bigger than 70% of them (2,087 ft² against a typical 1,664 ft²), its lot is bigger than 83% of them (10 ac against a typical 3.38 ac) and it is newer than 84% of them (2004 against a typical 1975). Measured against all of Fluvanna 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 428 Rivanna Woods Dr, Fork Union, VA?

The 2025 property tax bill for 428 Rivanna Woods Dr, Fork Union, VA was $3,783. The county assessed it at $533,400.

Closest homes

More homes in Fork Union 23055

Assigned schools

Explore the area

See this home in context

Open 428 Rivanna Woods Dr 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