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Single Family ResidenceResidential
$340,643
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 63How 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

438 COTTAGE ROW

TAPPAHANNOCK, VA 22560
0
Baths
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$341K
$215K low$466K 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.$340,643
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$272,514

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$281 (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.$51,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$45,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$6,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$43,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$51,000

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.38 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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 coastal 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
CountyESSEX
Lot (acres)The size of the land the home sits on, from county records.0.20
CoolingThe type of cooling or air conditioning in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No

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.

M
James H. Cary Intermediate SchoolD+
Middle · Grades 5–8 · 9.1 mi
E
Tappahannock Elementary SchoolC-
Elementary · Grades PK–4 · 9.3 mi
H
Essex High SchoolC
High · Grades 9–12 · 9.3 mi

District: Essex County Public Schools

Neighborhood · ZIP 22560These 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.111
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.40

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.83%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.23%
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.6,246
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.59 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$55,905
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$66,857
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

438 Cottage Row 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 76% of homes in Tappahannock 22560
  • Has a smaller lot than 98% of homes in Tappahannock 22560

What homes are worth in Tappahannock 22560

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

This home
$62K$855K

This home is worth more than 76% of homes in Tappahannock 22560.

How it measures up in Tappahannock 22560

The dot is this home. The mark in the middle is the typical home in Tappahannock 22560.

Estimated value$340,643
CheaperTypical $233,801Pricier

Pricier than 76% of homes nearby

Lot size0.2 ac
SmallerTypical 1.5 acBigger

Bigger than 2% of homes nearby

How 438 Cottage Row ranks against every home in each area.
MeasureThis homeTappahannock 22560Essex County
Estimated valuepricier than$340,64376% of homes76% of homes
Lot sizebigger than0.2 ac2% of homes2% of homes

About 438 Cottage Row

How much is 438 Cottage Row, Tappahannock, VA worth?

The TopHap Estimate for 438 Cottage Row, Tappahannock, VA is $340,643 as of Jul 14, 2026. The likely range is $215,268 to $466,018. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 438 Cottage Row, Tappahannock, VA last sell?

438 Cottage Row, Tappahannock, VA last sold on Jan 1, 1900, according to the county's recorded deed.

What schools serve 438 Cottage Row, Tappahannock, VA?

438 Cottage Row, Tappahannock, VA is assigned to James H. Cary Intermediate School (middle), rated D+; Tappahannock Elementary School (elementary), rated C-; Essex High School (high), rated C. All sit in Essex County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 438 Cottage Row, Tappahannock, VA compare to other homes in Tappahannock 22560?

Among the 2,924 homes in Tappahannock 22560, it is worth more than 76% of them ($340,643 against a typical $233,801) and its lot is bigger than 2% of them (0.2 ac against a typical 1.5 ac). Measured against all of Essex County, it is worth more than 76% 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 438 Cottage Row, Tappahannock, VA?

The 2025 property tax bill for 438 Cottage Row, Tappahannock, VA was $281. The county assessed it at $51,000.

Closest homes

More homes in Tappahannock 22560

Assigned schools

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