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Single Family ResidenceResidential
$719,488$331 / 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 86How 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

435 RIVER ESTATES PL

MATHEWS, VA 23109
3
Beds
2.5
Baths
2,174 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.
5.91 ac
Lot SizeThe size of the land the home sits on, from county records.
1999
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

$719K
$622K low$817K 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.$669,488
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$535,590
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.7%
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.$50,000
PRIVATE · 3.5% 2 · recorded May 23, 2005

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,956 (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.$638,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$223,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$414,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$638,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$638,100

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.58
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
17
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
76
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
82
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
17
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.60 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.90%
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.5.91
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.

H
Mathews High SchoolC-
High · Grades 8–12 · 1.4 mi
M
Thomas Hunter Middle SchoolC+
Middle · Grades 5–7 · 1.5 mi
E
Mathews Elementary SchoolA
Elementary · Grades PK–4 · 1.6 mi

District: Mathews County Public Schools

Neighborhood · ZIP 23109These 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.124
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 100.31

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.77%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.6%
PopulationHow many people live in this area.1,618
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.72 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$85,380
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$128,069
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

435 River Estates 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 more than 92% of homes in Mathews County
  • Costs more per square foot than 93% of homes in Mathews 23109
  • Bigger than 74% of homes in Mathews County
  • Has a bigger lot than 90% of homes in Mathews County
  • Newer than 87% of homes in Mathews 23109

What homes are worth in Mathews 23109

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

This home
$48K$1.1M

This home is worth more than 90% of homes in Mathews 23109.

How it measures up in Mathews 23109

The dot is this home. The mark in the middle is the typical home in Mathews 23109.

Estimated value$719,488
CheaperTypical $300,535Pricier

Pricier than 90% of homes nearby

Price per ft²$331
CheaperTypical $188Pricier

Pricier than 93% of homes nearby

Living area2,174 ft²
SmallerTypical 1,728 ft²Bigger

Bigger than 71% of homes nearby

Lot size5.91 ac
SmallerTypical 1.73 acBigger

Bigger than 89% of homes nearby

Year built1999
OlderTypical 1969Newer

Newer than 87% of homes nearby

How 435 River Estates Pl ranks against every home in each area.
MeasureThis homeMathews 23109Mathews County
Estimated valuepricier than$719,48890% of homes92% of homes
Price per ft²pricier than$33193% of homes89% of homes
Living areabigger than2,174 ft²71% of homes74% of homes
Lot sizebigger than5.91 ac89% of homes90% of homes
Year builtnewer than199987% of homes84% of homes

About 435 River Estates Pl

How much is 435 River Estates Pl, Mathews, VA worth?

The TopHap Estimate for 435 River Estates Pl, Mathews, VA is $719,488 as of Jul 14, 2026. The likely range is $621,982 to $816,994. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 435 River Estates Pl, Mathews, VA last sell?

435 River Estates Pl, Mathews, VA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 435 River Estates Pl, Mathews, VA?

435 River Estates Pl, Mathews, VA has 3 bedrooms, 2.5 bathrooms, 2,174 square feet of living space and a 5.91-acre lot.

When was 435 River Estates Pl, Mathews, VA built?

435 River Estates Pl, Mathews, VA was built in 1999, making it 27 years old. It is a split level home. The building has 1 story.

What schools serve 435 River Estates Pl, Mathews, VA?

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

How does 435 River Estates Pl, Mathews, VA compare to other homes in Mathews 23109?

Among the 1,036 homes in Mathews 23109, it is worth more than 90% of them ($719,488 against a typical $300,535), its price per square foot is higher than 93% of them ($331 against a typical $188), it is bigger than 71% of them (2,174 ft² against a typical 1,728 ft²), its lot is bigger than 89% of them (5.91 ac against a typical 1.73 ac) and it is newer than 87% of them (1999 against a typical 1969). Measured against all of Mathews County, it is worth more than 92% 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 435 River Estates Pl, Mathews, VA?

The 2025 property tax bill for 435 River Estates Pl, Mathews, VA was $3,956. The county assessed it at $638,100.

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