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Single Family ResidenceResidential
$204,302$191 / 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 89How 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 $190,000 on Nov 19, 2025

712 ST JAMES ST

RICHMOND, VA 23220
2
Beds
2.5
Baths
1,070 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.
825 ft²
Lot SizeThe size of the land the home sits on, from county records.
2022
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$204K
$181K low$227K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$190,000 · Nov 19, 2025
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.$14,302
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$11,442
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.95%
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.$190,000
VIRGINIA CU INC · recorded Dec 23, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,872 (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.$156,000 (2026)
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$156,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$151,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$156,000

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.41
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
16
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
81
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
81
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
30
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
CountyRICHMOND CITY
Lot (acres)The size of the land the home sits on, from county records.0.02
ConstructionThe main material the home's frame and walls are built from.Wood (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.Composition Shingle
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.None
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
George W. Carver Elementary SchoolF
Elementary · Grades KG–5 · 0.7 mi
M
Albert Hill Middle SchoolC-
Middle · Grades 6–8 · 2.5 mi
H
Thomas Jefferson High SchoolC-
High · Grades 9–12 · 3.0 mi

District: Richmond City Public Schools

Neighborhood · ZIP 23220These 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.118
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.67

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.39%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.22%
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.39,857
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.8,201 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$61,038
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$84,454
Average tempThe average temperature here across a full year.58°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

712 St James 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 less than 84% of homes in Jackson Ward
  • Smaller than 84% of homes in Jackson Ward
  • Has a smaller lot than 98% of homes in Richmond city County
  • Among the newest homes in Jackson Ward

What homes are worth in Richmond 23220

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

This home
$117K$1.2M

This home is worth more than 21% of homes in Richmond 23220.

How it measures up in Richmond 23220

The dot is this home. The mark in the middle is the typical home in Richmond 23220.

Estimated value$204,302
CheaperTypical $314,616Pricier

Pricier than 21% of homes nearby

Price per ft²$191
CheaperTypical $209Pricier

Pricier than 40% of homes nearby

Living area1,070 ft²
SmallerTypical 1,733 ft²Bigger

Bigger than 17% of homes nearby

Lot size825 ft²
SmallerTypical 3,006 ft²Bigger

Bigger than 5% of homes nearby

Year built2022
OlderTypical 1920Newer

Newer than 98% of homes nearby

How 712 St James St ranks against every home in each area.
MeasureThis homeJackson WardRichmond 23220Richmond city County
Estimated valuepricier than$204,30216% of homes21% of homes35% of homes
Price per ft²pricier than$19158% of homes40% of homes61% of homes
Living areabigger than1,070 ft²16% of homes17% of homes21% of homes
Lot sizebigger than825 ft²8% of homes5% of homes2% of homes
Year builtnewer than2022almost all homes98% of homes97% of homes

About 712 St James St

How much is 712 St James St, Richmond, VA worth?

The TopHap Estimate for 712 St James St, Richmond, VA is $204,302 as of Jul 14, 2026. The likely range is $181,262 to $227,342. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 712 St James St, Richmond, VA last sell?

712 St James St, Richmond, VA last sold on Nov 19, 2025 for $190,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 712 St James St, Richmond, VA?

712 St James St, Richmond, VA has 2 bedrooms, 2.5 bathrooms, 1,070 square feet of living space and a 0.02-acre lot.

When was 712 St James St, Richmond, VA built?

712 St James St, Richmond, VA was built in 2022, making it 4 years old. The building has 2 stories.

What schools serve 712 St James St, Richmond, VA?

712 St James St, Richmond, VA is assigned to George W. Carver Elementary School (elementary), rated F; Albert Hill Middle School (middle), rated C-; Thomas Jefferson High School (high), rated C-. All sit in Richmond City Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 712 St James St, Richmond, VA compare to other homes in Richmond 23220?

Among the 8,426 homes in Richmond 23220, it is worth more than 21% of them ($204,302 against a typical $314,616), its price per square foot is higher than 40% of them ($191 against a typical $209), it is bigger than 17% of them (1,070 ft² against a typical 1,733 ft²), its lot is bigger than 5% of them (825 ft² against a typical 3,006 ft²) and it is newer than 98% of them (2022 against a typical 1920). Measured against all of Richmond city County, it is worth more than 35% 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 712 St James St, Richmond, VA?

The 2026 property tax bill for 712 St James St, Richmond, VA was $1,872. The county assessed it at $156,000.

Closest homes

More homes in Richmond 23220

Assigned schools

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