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Single Family ResidenceResidential
$458,283$334 / 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 92How 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 $379,990 on Sep 3, 2024

640 SADDLERS ST

ROCKINGHAM, VA 22801
3
Beds
2
Baths
1,372 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.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
2024
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.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$458K
$420K low$496K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$379,990 · Sep 3, 2024
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.$103,383
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$82,706
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.82%
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.$354,900
USDA · recorded Sep 3, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,876 (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.$435,700 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$65,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$370,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$295,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$435,700

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.38
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
28
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
76
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
63
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
25
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
CountyROCKINGHAM
Lot (acres)The size of the land the home sits on, from county records.0.14
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
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.

E
Mountain View Elementary SchoolC-
Elementary · Grades PK–5 · 2.1 mi
M
Wilbur S. Pence Middle SchoolC-
Middle · Grades 6–8 · 2.1 mi
H
Turner Ashby High SchoolB-
High · Grades 9–12 · 3.5 mi

District: Rockingham County Public Schools

Neighborhood · ZIP 22801These 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.103
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.50

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.22%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.25%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.42,820
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,244 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$64,308
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$85,915
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.37 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

640 Saddlers St 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 72% of homes in Rockingham County
  • Costs more per square foot than 96% of homes in Harrisonburg 22801
  • Smaller than 70% of homes in Harrisonburg 22801
  • Has a smaller lot than 89% of homes in Rockingham County
  • Newer than 98% of homes in Rockingham County

What homes are worth in Harrisonburg 22801

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

This home
$183K$934K

This home is worth more than 70% of homes in Harrisonburg 22801.

How it measures up in Harrisonburg 22801

The dot is this home. The mark in the middle is the typical home in Harrisonburg 22801.

Estimated value$458,283
CheaperTypical $375,421Pricier

Pricier than 70% of homes nearby

Price per ft²$334
CheaperTypical $224Pricier

Pricier than 96% of homes nearby

Living area1,372 ft²
SmallerTypical 1,616 ft²Bigger

Bigger than 30% of homes nearby

Lot size0.14 ac
SmallerTypical 0.23 acBigger

Bigger than 32% of homes nearby

Year built2024
OlderTypical 1998Newer

Newer than 97% of homes nearby

How 640 Saddlers St ranks against every home in each area.
MeasureThis homeHarrisonburg 22801Rockingham County
Estimated valuepricier than$458,28370% of homes72% of homes
Price per ft²pricier than$33496% of homes93% of homes
Living areabigger than1,372 ft²30% of homes36% of homes
Lot sizebigger than0.14 ac32% of homes11% of homes
Year builtnewer than202497% of homes98% of homes

About 640 Saddlers St

How much is 640 Saddlers St, Rockingham, VA worth?

The TopHap Estimate for 640 Saddlers St, Rockingham, VA is $458,283 as of Jul 14, 2026. The likely range is $420,212 to $496,354. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 Saddlers St, Rockingham, VA last sell?

640 Saddlers St, Rockingham, VA last sold on Sep 3, 2024 for $379,990, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 640 Saddlers St, Rockingham, VA?

640 Saddlers St, Rockingham, VA has 3 bedrooms, 2 bathrooms, 1,372 square feet of living space and a 0.14-acre lot.

When was 640 Saddlers St, Rockingham, VA built?

640 Saddlers St, Rockingham, VA was built in 2024, making it 2 years old. The building has 1 story.

What schools serve 640 Saddlers St, Rockingham, VA?

640 Saddlers St, Rockingham, VA is assigned to Mountain View Elementary School (elementary), rated C-; Wilbur S. Pence Middle School (middle), rated C-; Turner Ashby High School (high), rated B-. All sit in Rockingham County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 Saddlers St, Rockingham, VA compare to other homes in Harrisonburg 22801?

Among the 11,079 homes in Harrisonburg 22801, it is worth more than 70% of them ($458,283 against a typical $375,421), its price per square foot is higher than 96% of them ($334 against a typical $224), it is bigger than 30% of them (1,372 ft² against a typical 1,616 ft²), its lot is bigger than 32% of them (0.14 ac against a typical 0.23 ac) and it is newer than 97% of them (2024 against a typical 1998). Measured against all of Rockingham County, it is worth more than 72% 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 640 Saddlers St, Rockingham, VA?

The 2026 property tax bill for 640 Saddlers St, Rockingham, VA was $2,876. The county assessed it at $435,700.

Closest homes

More homes in Rockingham 22801

Assigned schools

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