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Single Family ResidenceResidential
$463,576$148 / 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 $279,000 on Jun 11, 2015

865 CLUB RIDGE TER

CHESTER, VA 23836
4
Beds
2.5
Baths
3,125 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.
0.33 ac
Lot SizeThe size of the land the home sits on, from county records.
2003
Year BuiltThe year the home was originally built, according to county records.
2
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.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$464K
$426K low$501K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$279,000 · Jun 11, 2015
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.$139,630
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$111,704
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.75%
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.$273,946
MB FIN'L BK · recorded Jun 11, 2015
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
PARTNERS FIN'L FCU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,264 (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.$476,300 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$91,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$385,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$463,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$476,300

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.10 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.Traditional/Old
CountyCHESTERFIELD
Lot (acres)The size of the land the home sits on, from county records.0.33
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
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
ViewThe type of view from the property, or another feature of the site that affects value.Cul-De-Sac
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 144 ft²Patio · 392 ft²Porch · 106 ft²

Transaction History(1)

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.

M
Elizabeth Davis Middle SchoolC
Middle · Grades 6–8 · 2.2 mi
E
Enon Elementary SchoolB
Elementary · Grades PK–5 · 2.9 mi
H
Thomas Dale High SchoolC-
High · Grades 9–12 · 4.9 mi

District: Chesterfield County Public Schools

Neighborhood · ZIP 23836These 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.106
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 100.55

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.29%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.9%
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.14,653
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.563 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$100,327
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$129,683
Average tempThe average temperature here across a full year.59°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

865 Club Ridge Ter 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 77% of homes in Chesterfield County
  • Bigger than 85% of homes in Chesterfield County
  • Has a smaller lot than 72% of homes in Chester 23836
  • Newer than 71% of homes in Chesterfield County

What homes are worth in Chester 23836

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

This home
$144K$843K

This home is worth more than 75% of homes in Chester 23836.

How it measures up in Chester 23836

The dot is this home. The mark in the middle is the typical home in Chester 23836.

Estimated value$463,576
CheaperTypical $341,176Pricier

Pricier than 75% of homes nearby

Price per ft²$148
CheaperTypical $152Pricier

Pricier than 46% of homes nearby

Living area3,125 ft²
SmallerTypical 2,276 ft²Bigger

Bigger than 77% of homes nearby

Lot size0.33 ac
SmallerTypical 0.43 acBigger

Bigger than 28% of homes nearby

Year built2003
OlderTypical 1997Newer

Newer than 64% of homes nearby

How 865 Club Ridge Ter ranks against every home in each area.
MeasureThis homeChester 23836Chesterfield County
Estimated valuepricier than$463,57675% of homes77% of homes
Price per ft²pricier than$14846% of homes38% of homes
Living areabigger than3,125 ft²77% of homes85% of homes
Lot sizebigger than0.33 ac28% of homes43% of homes
Year builtnewer than200364% of homes71% of homes

About 865 Club Ridge Ter

How much is 865 Club Ridge Ter, Chester, VA worth?

The TopHap Estimate for 865 Club Ridge Ter, Chester, VA is $463,576 as of Jul 14, 2026. The likely range is $425,803 to $501,349. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 865 Club Ridge Ter, Chester, VA last sell?

865 Club Ridge Ter, Chester, VA last sold on Jun 11, 2015 for $279,000, according to the county's recorded deed.

How big is 865 Club Ridge Ter, Chester, VA?

865 Club Ridge Ter, Chester, VA has 4 bedrooms, 2.5 bathrooms, 3,125 square feet of living space and a 0.33-acre lot.

When was 865 Club Ridge Ter, Chester, VA built?

865 Club Ridge Ter, Chester, VA was built in 2003, making it 23 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 865 Club Ridge Ter, Chester, VA?

865 Club Ridge Ter, Chester, VA is assigned to Elizabeth Davis Middle School (middle), rated C; Enon Elementary School (elementary), rated B; Thomas Dale High School (high), rated C-. All sit in Chesterfield County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 865 Club Ridge Ter, Chester, VA compare to other homes in Chester 23836?

Among the 5,250 homes in Chester 23836, it is worth more than 75% of them ($463,576 against a typical $341,176), its price per square foot is higher than 46% of them ($148 against a typical $152), it is bigger than 77% of them (3,125 ft² against a typical 2,276 ft²), its lot is bigger than 28% of them (0.33 ac against a typical 0.43 ac) and it is newer than 64% of them (2003 against a typical 1997). Measured against all of Chesterfield County, it is worth more than 77% 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 865 Club Ridge Ter, Chester, VA?

The 2026 property tax bill for 865 Club Ridge Ter, Chester, VA was $4,264. The county assessed it at $476,300.

Closest homes

More homes in Chester 23836

Assigned schools

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