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Single Family ResidenceResidential
$186,645$127 / 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 96How 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 $3,000 on Jun 28, 2016

4397 N RIVER RD

CARDINAL, VA 23025
3
Beds
1
Baths
1,468 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.
0.86 ac
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.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$187K
$180K low$194K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$3,000 · Jun 28, 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.$186,645
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$149,316

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$943 (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.$152,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$33,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$118,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$152,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$152,100

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.12 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.77%
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.0.2 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
CountyMATHEWS
Lot (acres)The size of the land the home sits on, from county records.0.86
RoofThe main material covering the roof, such as asphalt shingle or tile.Galvanized
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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
Thomas Hunter Middle SchoolC+
Middle · Grades 5–7 · 3.7 mi
E
Mathews Elementary SchoolA
Elementary · Grades PK–4 · 3.7 mi
H
Mathews High SchoolC-
High · Grades 8–12 · 4.1 mi

District: Mathews County Public Schools

Neighborhood · ZIP 23025These 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.100
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 100.33

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.71%
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.6.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.88
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.56 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,443
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$99,854
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

4397 N River 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 less than 76% of homes in Mathews County
  • Costs less per square foot than 87% of homes in Mathews County
  • Has a smaller lot than 87% of homes in Cardinal 23025
  • Older than 80% of homes in Mathews County

What homes are worth in Cardinal 23025

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

This home
$40K$1.3M

This home is worth more than 29% of homes in Cardinal 23025.

How it measures up in Cardinal 23025

The dot is this home. The mark in the middle is the typical home in Cardinal 23025.

Estimated value$186,645
CheaperTypical $277,861Pricier

Pricier than 29% of homes nearby

Price per ft²$127
CheaperTypical $217Pricier

Pricier than 15% of homes nearby

Living area1,468 ft²
SmallerTypical 1,768 ft²Bigger

Bigger than 40% of homes nearby

Lot size0.86 ac
SmallerTypical 2.51 acBigger

Bigger than 13% of homes nearby

Year built1920
OlderTypical 1968Newer

Newer than 23% of homes nearby

How 4397 N River Rd ranks against every home in each area.
MeasureThis homeCardinal 23025Mathews County
Estimated valuepricier than$186,64529% of homes24% of homes
Price per ft²pricier than$12715% of homes13% of homes
Living areabigger than1,468 ft²40% of homes38% of homes
Lot sizebigger than0.86 ac13% of homes30% of homes
Year builtnewer than192023% of homes20% of homes

About 4397 N River Rd

How much is 4397 N River Rd, Cardinal, VA worth?

The TopHap Estimate for 4397 N River Rd, Cardinal, VA is $186,645 as of Jul 14, 2026. The likely range is $179,645 to $193,645. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4397 N River Rd, Cardinal, VA last sell?

4397 N River Rd, Cardinal, VA last sold on Jun 28, 2016 for $3,000, according to the county's recorded deed.

How big is 4397 N River Rd, Cardinal, VA?

4397 N River Rd, Cardinal, VA has 3 bedrooms, 1 bathrooms, 1,468 square feet of living space and a 0.86-acre lot.

When was 4397 N River Rd, Cardinal, VA built?

4397 N River Rd, Cardinal, VA was built in 1920, making it 106 years old. The building has 1 story.

What schools serve 4397 N River Rd, Cardinal, VA?

4397 N River Rd, Cardinal, VA is assigned to Thomas Hunter Middle School (middle), rated C+; Mathews Elementary School (elementary), rated A; Mathews High School (high), rated C-. All sit in Mathews County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4397 N River Rd, Cardinal, VA compare to other homes in Cardinal 23025?

Among the 202 homes in Cardinal 23025, it is worth more than 29% of them ($186,645 against a typical $277,861), its price per square foot is higher than 15% of them ($127 against a typical $217), it is bigger than 40% of them (1,468 ft² against a typical 1,768 ft²), its lot is bigger than 13% of them (0.86 ac against a typical 2.51 ac) and it is newer than 23% of them (1920 against a typical 1968). Measured against all of Mathews County, it is worth more than 24% 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 4397 N River Rd, Cardinal, VA?

The 2026 property tax bill for 4397 N River Rd, Cardinal, VA was $943. The county assessed it at $152,100.

Closest homes

More homes in Cardinal 23025

Assigned schools

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