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Single Family ResidenceResidential
$170,899$165 / 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 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

71 SPENCER LN

LOVINGSTON, VA 22949
2
Beds
2
Baths
1,037 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.
2.32 ac
Lot SizeThe size of the land the home sits on, from county records.
2001
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

$171K
$154K low$187K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,264 (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.$225,800 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$38,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$187,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$193,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$225,800

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.45
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
29
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
82
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
96
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
20
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.minimal

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.Conventional
CountyNELSON
Lot (acres)The size of the land the home sits on, from county records.2.32
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
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.Asphalt
HeatingThe type of heating system in the home.Heat Pump
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 544 ft²

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

M
Nelson Middle SchoolB+
Middle · Grades 6–8 · 6.2 mi
H
Nelson County High SchoolC-
High · Grades 9–12 · 6.3 mi
E
Rockfish River Elementary SchoolB
Elementary · Grades PK–5 · 9.3 mi

District: Nelson County Public Schools

Neighborhood · ZIP 22949These 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.127
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.72

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.81%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
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.1,084
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.30 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$72,929
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$104,126
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.50 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

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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

71 Spencer Ln 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 66% of homes in Nelson County
  • Costs less per square foot than 77% of homes in Nelson County
  • Smaller than 83% of homes in Lovingston 22949
  • Newer than 80% of homes in Lovingston 22949

What homes are worth in Lovingston 22949

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

This home
$47K$938K

This home is worth more than 40% of homes in Lovingston 22949.

How it measures up in Lovingston 22949

The dot is this home. The mark in the middle is the typical home in Lovingston 22949.

Estimated value$170,899
CheaperTypical $214,426Pricier

Pricier than 40% of homes nearby

Price per ft²$165
CheaperTypical $197Pricier

Pricier than 35% of homes nearby

Living area1,037 ft²
SmallerTypical 1,524 ft²Bigger

Bigger than 17% of homes nearby

Lot size2.32 ac
SmallerTypical 3 acBigger

Bigger than 45% of homes nearby

Year built2001
OlderTypical 1974Newer

Newer than 80% of homes nearby

How 71 Spencer Ln ranks against every home in each area.
MeasureThis homeLovingston 22949Nelson County
Estimated valuepricier than$170,89940% of homes34% of homes
Price per ft²pricier than$16535% of homes23% of homes
Living areabigger than1,037 ft²17% of homes22% of homes
Lot sizebigger than2.32 ac45% of homes53% of homes
Year builtnewer than200180% of homes77% of homes

About 71 Spencer Ln

How much is 71 Spencer Ln, Lovingston, VA worth?

The TopHap Estimate for 71 Spencer Ln, Lovingston, VA is $170,899 as of Aug 30, 2026. The likely range is $154,497 to $187,301. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 71 Spencer Ln, Lovingston, VA last sell?

71 Spencer Ln, Lovingston, VA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 71 Spencer Ln, Lovingston, VA?

71 Spencer Ln, Lovingston, VA has 2 bedrooms, 2 bathrooms, 1,037 square feet of living space and a 2.32-acre lot.

When was 71 Spencer Ln, Lovingston, VA built?

71 Spencer Ln, Lovingston, VA was built in 2001, making it 25 years old. It is a conventional home. The building has 1 story.

What schools serve 71 Spencer Ln, Lovingston, VA?

71 Spencer Ln, Lovingston, VA is assigned to Nelson Middle School (middle), rated B+; Nelson County High School (high), rated C-; Rockfish River Elementary School (elementary), rated B. All sit in Nelson County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 71 Spencer Ln, Lovingston, VA compare to other homes in Lovingston 22949?

Among the 847 homes in Lovingston 22949, it is worth more than 40% of them ($170,899 against a typical $214,426), its price per square foot is higher than 35% of them ($165 against a typical $197), it is bigger than 17% of them (1,037 ft² against a typical 1,524 ft²), its lot is bigger than 45% of them (2.32 ac against a typical 3 ac) and it is newer than 80% of them (2001 against a typical 1974). Measured against all of Nelson County, it is worth more than 34% 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 71 Spencer Ln, Lovingston, VA?

The 2026 property tax bill for 71 Spencer Ln, Lovingston, VA was $1,264. The county assessed it at $225,800.

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