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Single Family ResidenceResidential
$323,560$161 / 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 53How 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

776 JAMES RIVER RD

SCOTTSVILLE, VA 24590
5
Beds
2.5
Baths
2,015 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.
5.27 ac
Lot SizeThe size of the land the home sits on, from county records.
1997
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$324K
$172K low$475K 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.$270,873
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$216,698
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.16%
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.$52,687
BRANCH BANKING & TRUST CO · E · recorded Sep 24, 2009

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,509 (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.$616,200 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$82,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$534,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$585,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$616,200

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.187 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.1 percent flood zone

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
CountyALBEMARLE
Lot (acres)The size of the land the home sits on, from county records.5.27
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Wood
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central
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.Mixed
PoolWhether the property has a pool, and what kind, such as in-ground.No
ViewThe type of view from the property, or another feature of the site that affects value.Flood Plain/Flood Zone
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 320 ft²Patio · 190 ft²Porch · 721 ft²

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

E
Scottsville Elementary SchoolD+
Elementary · Grades PK–5 · 2.0 mi
M
Walton Middle SchoolC
Middle · Grades 6–8 · 9.1 mi
H
Monticello High SchoolB
High · Grades 9–12 · 14.4 mi

District: Albemarle County Public Schools

Neighborhood · ZIP 24590These 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.122
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.88

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.90%
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.8.2%
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.7,175
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.45 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$76,534
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$92,457
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.45 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

776 James River Rd 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 82% of homes in Albemarle County
  • Costs less per square foot than 97% of homes in Albemarle County
  • Bigger than 77% of homes in Scottsville 24590
  • Has a bigger lot than 86% of homes in Albemarle County
  • Newer than 67% of homes in Scottsville 24590

What homes are worth in Scottsville 24590

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

This home
$95K$1.1M

This home is worth more than 56% of homes in Scottsville 24590.

How it measures up in Scottsville 24590

The dot is this home. The mark in the middle is the typical home in Scottsville 24590.

Estimated value$323,560
CheaperTypical $302,404Pricier

Pricier than 56% of homes nearby

Price per ft²$161
CheaperTypical $237Pricier

Pricier than 8% of homes nearby

Living area2,015 ft²
SmallerTypical 1,488 ft²Bigger

Bigger than 77% of homes nearby

Lot size5.27 ac
SmallerTypical 2.99 acBigger

Bigger than 69% of homes nearby

Year built1997
OlderTypical 1989Newer

Newer than 67% of homes nearby

How 776 James River Rd ranks against every home in each area.
MeasureThis homeScottsville 24590Albemarle County
Estimated valuepricier than$323,56056% of homes18% of homes
Price per ft²pricier than$1618% of homes3% of homes
Living areabigger than2,015 ft²77% of homes55% of homes
Lot sizebigger than5.27 ac69% of homes86% of homes
Year builtnewer than199767% of homes61% of homes

About 776 James River Rd

How much is 776 James River Rd, Scottsville, VA worth?

The TopHap Estimate for 776 James River Rd, Scottsville, VA is $323,560 as of Jul 14, 2026. The likely range is $172,314 to $474,806. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 776 James River Rd, Scottsville, VA last sell?

776 James River Rd, Scottsville, VA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 776 James River Rd, Scottsville, VA?

776 James River Rd, Scottsville, VA has 5 bedrooms, 2.5 bathrooms, 2,015 square feet of living space and a 5.27-acre lot.

When was 776 James River Rd, Scottsville, VA built?

776 James River Rd, Scottsville, VA was built in 1997, making it 29 years old. The building has 1 story.

What schools serve 776 James River Rd, Scottsville, VA?

776 James River Rd, Scottsville, VA is assigned to Scottsville Elementary School (elementary), rated D+; Walton Middle School (middle), rated C; Monticello High School (high), rated B. All sit in Albemarle County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 776 James River Rd, Scottsville, VA compare to other homes in Scottsville 24590?

Among the 3,423 homes in Scottsville 24590, it is worth more than 56% of them ($323,560 against a typical $302,404), its price per square foot is higher than 8% of them ($161 against a typical $237), it is bigger than 77% of them (2,015 ft² against a typical 1,488 ft²), its lot is bigger than 69% of them (5.27 ac against a typical 2.99 ac) and it is newer than 67% of them (1997 against a typical 1989). Measured against all of Albemarle County, it is worth more than 18% 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 776 James River Rd, Scottsville, VA?

The 2026 property tax bill for 776 James River Rd, Scottsville, VA was $5,509. The county assessed it at $616,200.

Closest homes

More homes in Scottsville 24590

Assigned schools

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