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Single Family ResidenceResidential
$380,000$370 / 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 76How 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

609 JOY DR

RUTHER GLEN, VA 22546
4
Beds
3
Baths
1,026 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.
0.46 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
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

$380K
$289K low$471K 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.$120,907
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$96,726
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.$209,093
JPMORGAN CHASE BANK NA · recorded Jul 16, 2025
2nd 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
ATLANTIC UNION BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,905 (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.$328,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$50,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$278,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$328,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$328,400

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.43
1
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.
80
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
93
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
28
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
CountyCAROLINE
Lot (acres)The size of the land the home sits on, from county records.0.46
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
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.Shed · 80 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Lewis and Clark Elementary SchoolB+
Elementary · Grades PK–5 · 1.8 mi
H
Caroline High SchoolD
High · Grades 9–12 · 8.2 mi
M
Caroline Middle SchoolD+
Middle · Grades 6–8 · 8.4 mi

District: Caroline County Public Schools

Neighborhood · ZIP 22546These 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.93
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.64

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.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.18,362
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.116 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$86,895
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$118,029
Average tempThe average temperature here across a full year.56°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

609 Joy 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 76% of homes in Caroline County
  • Costs more per square foot than 98% of homes in Ruther Glen 22546
  • Smaller than 85% of homes in Ruther Glen 22546
  • Has a smaller lot than 65% of homes in Caroline County
  • Older than 66% of homes in Ruther Glen 22546

What homes are worth in Ruther Glen 22546

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

This home
$121K$600K

This home is worth more than 75% of homes in Ruther Glen 22546.

How it measures up in Ruther Glen 22546

The dot is this home. The mark in the middle is the typical home in Ruther Glen 22546.

Estimated value$380,000
CheaperTypical $311,978Pricier

Pricier than 75% of homes nearby

Price per ft²$370
CheaperTypical $207Pricier

Pricier than 98% of homes nearby

Living area1,026 ft²
SmallerTypical 1,444 ft²Bigger

Bigger than 15% of homes nearby

Lot size0.46 ac
SmallerTypical 0.49 acBigger

Bigger than 46% of homes nearby

Year built1990
OlderTypical 2001Newer

Newer than 34% of homes nearby

How 609 Joy Dr ranks against every home in each area.
MeasureThis homeRuther Glen 22546Caroline County
Estimated valuepricier than$380,00075% of homes76% of homes
Price per ft²pricier than$37098% of homes98% of homes
Living areabigger than1,026 ft²15% of homes16% of homes
Lot sizebigger than0.46 ac46% of homes35% of homes
Year builtnewer than199034% of homes45% of homes

About 609 Joy Dr

How much is 609 Joy Dr, Ruther Glen, VA worth?

The TopHap Estimate for 609 Joy Dr, Ruther Glen, VA is $380,000 as of Jul 14, 2026. The likely range is $289,037 to $470,963. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 609 Joy Dr, Ruther Glen, VA last sell?

609 Joy Dr, Ruther Glen, VA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 609 Joy Dr, Ruther Glen, VA?

609 Joy Dr, Ruther Glen, VA has 4 bedrooms, 3 bathrooms, 1,026 square feet of living space and a 0.46-acre lot.

When was 609 Joy Dr, Ruther Glen, VA built?

609 Joy Dr, Ruther Glen, VA was built in 1990, making it 36 years old. The building has 1 story.

What schools serve 609 Joy Dr, Ruther Glen, VA?

609 Joy Dr, Ruther Glen, VA is assigned to Lewis and Clark Elementary School (elementary), rated B+; Caroline High School (high), rated D; Caroline Middle School (middle), rated D+. All sit in Caroline County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 609 Joy Dr, Ruther Glen, VA compare to other homes in Ruther Glen 22546?

Among the 7,949 homes in Ruther Glen 22546, it is worth more than 75% of them ($380,000 against a typical $311,978), its price per square foot is higher than 98% of them ($370 against a typical $207), it is bigger than 15% of them (1,026 ft² against a typical 1,444 ft²), its lot is bigger than 46% of them (0.46 ac against a typical 0.49 ac) and it is newer than 34% of them (1990 against a typical 2001). Measured against all of Caroline 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 609 Joy Dr, Ruther Glen, VA?

The 2026 property tax bill for 609 Joy Dr, Ruther Glen, VA was $1,905. The county assessed it at $328,400.

Closest homes

More homes in Ruther Glen 22546

Assigned schools

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