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Single Family ResidenceResidential
$538,689$289 / 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 94How 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 $450,000 on Mar 11, 2019

450 COTTAGE ROW

TAPPAHANNOCK, VA 22560
2
Beds
2
Baths
1,861 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.
0.26 ac
Lot SizeThe size of the land the home sits on, from county records.
1932
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

$539K
$505K low$573K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$450,000 · Mar 11, 2019
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.$185,989
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$148,791
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.68%
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.$352,700
TOWNEBANK MORTGAGE · R · 2.88% 2 · recorded Mar 24, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,891 (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.$525,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$300,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$225,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$437,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$525,600

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.69 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
StyleThe architectural style of the home, such as ranch or colonial.Cape Cod
CountyESSEX
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.1983
Lot (acres)The size of the land the home sits on, from county records.0.26
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
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.Boat liftDeck · 240 ft²Porch · 150 ft²Boat access

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

450 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 92% of homes in Tappahannock 22560
  • Costs more per square foot than 93% of homes in Tappahannock 22560
  • Bigger than 71% of homes in Essex County
  • Has a smaller lot than 97% of homes in Essex County
  • Older than 96% 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
$60K$836K

This home is worth more than 92% 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$538,689
CheaperTypical $233,392Pricier

Pricier than 92% of homes nearby

Price per ft²$289
CheaperTypical $149Pricier

Pricier than 93% of homes nearby

Living area1,861 ft²
SmallerTypical 1,564 ft²Bigger

Bigger than 68% of homes nearby

Lot size0.26 ac
SmallerTypical 1.5 acBigger

Bigger than 4% of homes nearby

Year built1932
OlderTypical 1986Newer

Newer than 4% of homes nearby

How 450 Cottage Row ranks against every home in each area.
MeasureThis homeTappahannock 22560Essex County
Estimated valuepricier than$538,68992% of homes92% of homes
Price per ft²pricier than$28993% of homes91% of homes
Living areabigger than1,861 ft²68% of homes71% of homes
Lot sizebigger than0.26 ac4% of homes3% of homes
Year builtnewer than19324% of homes5% of homes

About 450 Cottage Row

How much is 450 Cottage Row, Tappahannock, VA worth?

The TopHap Estimate for 450 Cottage Row, Tappahannock, VA is $538,689 as of Jul 14, 2026. The likely range is $504,650 to $572,728. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 450 Cottage Row, Tappahannock, VA last sell?

450 Cottage Row, Tappahannock, VA last sold on Mar 11, 2019 for $450,000, according to the county's recorded deed.

How big is 450 Cottage Row, Tappahannock, VA?

450 Cottage Row, Tappahannock, VA has 2 bedrooms, 2 bathrooms, 1,861 square feet of living space and a 0.26-acre lot.

When was 450 Cottage Row, Tappahannock, VA built?

450 Cottage Row, Tappahannock, VA was built in 1932, making it 94 years old. It is a cape cod home. The building has 1 story.

What schools serve 450 Cottage Row, Tappahannock, VA?

450 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 450 Cottage Row, Tappahannock, VA compare to other homes in Tappahannock 22560?

Among the 2,924 homes in Tappahannock 22560, it is worth more than 92% of them ($538,689 against a typical $233,392), its price per square foot is higher than 93% of them ($289 against a typical $149), it is bigger than 68% of them (1,861 ft² against a typical 1,564 ft²), its lot is bigger than 4% of them (0.26 ac against a typical 1.5 ac) and it is newer than 4% of them (1932 against a typical 1986). Measured against all of Essex 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 450 Cottage Row, Tappahannock, VA?

The 2025 property tax bill for 450 Cottage Row, Tappahannock, VA was $2,891. The county assessed it at $525,600.

Closest homes

More homes in Tappahannock 22560

Assigned schools

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