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Single Family ResidenceResidential
$544,099$264 / 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 95How 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 $297,500 on Nov 13, 2017

495 RACHEL DR

PENN LAIRD, VA 22846
4
Beds
3.5
Baths
2,059 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.
0.27 ac
Lot SizeThe size of the land the home sits on, from county records.
2015
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
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

$544K
$519K low$569K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$297,500 · Nov 13, 2017
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.$306,099
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$244,879
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.45%
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.$238,000
C&F MORTGAGE CORP · recorded Nov 13, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,089 (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.$468,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$85,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$383,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$399,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$468,000

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyROCKINGHAM
Lot (acres)The size of the land the home sits on, from county records.0.27
ConstructionThe main material the home's frame and walls are built from.Brick
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
FireplaceWhether the home has a fireplace, and what kind.Yes
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

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
Montevideo Middle SchoolB-
Middle · Grades 6–8 · 3.2 mi
H
Spotswood High SchoolB+
High · Grades 9–12 · 3.3 mi
E
Cub Run Elementary SchoolD+
Elementary · Grades PK–5 · 3.4 mi

District: Rockingham County Public Schools

Neighborhood · ZIP 22846These 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.68
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 100.58

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.30%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.6%
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.1,675
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.198 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$90,346
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$108,127
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.39 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

495 Rachel 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 83% of homes in Rockingham County
  • Costs more per square foot than 76% of homes in Rockingham County
  • Bigger than 75% of homes in Rockingham County
  • Has a smaller lot than 89% of homes in Penn Laird 22846
  • Newer than 89% of homes in Penn Laird 22846

What homes are worth in Penn Laird 22846

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

This home
$164K$1M

This home is worth more than 73% of homes in Penn Laird 22846.

How it measures up in Penn Laird 22846

The dot is this home. The mark in the middle is the typical home in Penn Laird 22846.

Estimated value$544,099
CheaperTypical $458,359Pricier

Pricier than 73% of homes nearby

Price per ft²$264
CheaperTypical $234Pricier

Pricier than 74% of homes nearby

Living area2,059 ft²
SmallerTypical 1,902 ft²Bigger

Bigger than 59% of homes nearby

Lot size0.27 ac
SmallerTypical 0.46 acBigger

Bigger than 11% of homes nearby

Year built2015
OlderTypical 1999Newer

Newer than 89% of homes nearby

How 495 Rachel Dr ranks against every home in each area.
MeasureThis homePenn Laird 22846Rockingham County
Estimated valuepricier than$544,09973% of homes83% of homes
Price per ft²pricier than$26474% of homes76% of homes
Living areabigger than2,059 ft²59% of homes75% of homes
Lot sizebigger than0.27 ac11% of homes23% of homes
Year builtnewer than201589% of homes85% of homes

About 495 Rachel Dr

How much is 495 Rachel Dr, Penn Laird, VA worth?

The TopHap Estimate for 495 Rachel Dr, Penn Laird, VA is $544,099 as of Jul 14, 2026. The likely range is $518,964 to $569,234. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 495 Rachel Dr, Penn Laird, VA last sell?

495 Rachel Dr, Penn Laird, VA last sold on Nov 13, 2017 for $297,500, according to the county's recorded deed.

How big is 495 Rachel Dr, Penn Laird, VA?

495 Rachel Dr, Penn Laird, VA has 4 bedrooms, 3.5 bathrooms, 2,059 square feet of living space and a 0.27-acre lot.

When was 495 Rachel Dr, Penn Laird, VA built?

495 Rachel Dr, Penn Laird, VA was built in 2015, making it 11 years old. The building has 2 stories.

What schools serve 495 Rachel Dr, Penn Laird, VA?

495 Rachel Dr, Penn Laird, VA is assigned to Montevideo Middle School (middle), rated B-; Spotswood High School (high), rated B+; Cub Run Elementary School (elementary), rated D+. All sit in Rockingham County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 495 Rachel Dr, Penn Laird, VA compare to other homes in Penn Laird 22846?

Among the 854 homes in Penn Laird 22846, it is worth more than 73% of them ($544,099 against a typical $458,359), its price per square foot is higher than 74% of them ($264 against a typical $234), it is bigger than 59% of them (2,059 ft² against a typical 1,902 ft²), its lot is bigger than 11% of them (0.27 ac against a typical 0.46 ac) and it is newer than 89% of them (2015 against a typical 1999). Measured against all of Rockingham County, it is worth more than 83% 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 495 Rachel Dr, Penn Laird, VA?

The 2026 property tax bill for 495 Rachel Dr, Penn Laird, VA was $3,089. The county assessed it at $468,000.

Closest homes

More homes in Penn Laird 22846

Assigned schools

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See this home in context

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