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Single Family ResidenceResidential
$401,880$309 / 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 $25,000 on Oct 14, 2021

866 ROCKY RD

LOVINGSTON, VA 22949
3
Beds
2
Baths
1,300 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.
11.37 ac
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.
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

$402K
$370K low$433K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$25,000 · Oct 14, 2021
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.$121,880
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$97,504
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.65%
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.$280,000
FARM CREDIT OF VA ACA · R · recorded Dec 1, 2021

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.$382,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$74,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$307,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$328,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$382,000

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.57
67
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
27
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
79
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.180 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
CountyNELSON
Lot (acres)The size of the land the home sits on, from county records.11.37
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.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 · 600 ft²Porch · 88 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.

E
Rockfish River Elementary SchoolB
Elementary · Grades PK–5 · 6.8 mi
M
Nelson Middle SchoolB+
Middle · Grades 6–8 · 8.7 mi
H
Nelson County High SchoolC-
High · Grades 9–12 · 8.8 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
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

866 Rocky 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 more than 77% of homes in Lovingston 22949
  • Costs more per square foot than 81% of homes in Lovingston 22949
  • Smaller than 67% of homes in Lovingston 22949
  • Has a bigger lot than 86% of homes in Nelson County
  • Newer than 98% 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
$48K$1.1M

This home is worth more than 77% 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$401,880
CheaperTypical $228,724Pricier

Pricier than 77% of homes nearby

Price per ft²$309
CheaperTypical $205Pricier

Pricier than 81% of homes nearby

Living area1,300 ft²
SmallerTypical 1,528 ft²Bigger

Bigger than 33% of homes nearby

Lot size11.37 ac
SmallerTypical 3 acBigger

Bigger than 78% of homes nearby

Year built2022
OlderTypical 1973Newer

Newer than 98% of homes nearby

How 866 Rocky Rd ranks against every home in each area.
MeasureThis homeLovingston 22949Nelson County
Estimated valuepricier than$401,88077% of homes69% of homes
Price per ft²pricier than$30981% of homes70% of homes
Living areabigger than1,300 ft²33% of homes39% of homes
Lot sizebigger than11.37 ac78% of homes86% of homes
Year builtnewer than202298% of homes98% of homes

About 866 Rocky Rd

How much is 866 Rocky Rd, Lovingston, VA worth?

The TopHap Estimate for 866 Rocky Rd, Lovingston, VA is $401,880 as of Jul 14, 2026. The likely range is $370,441 to $433,319. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 866 Rocky Rd, Lovingston, VA last sell?

866 Rocky Rd, Lovingston, VA last sold on Oct 14, 2021 for $25,000, according to the county's recorded deed.

How big is 866 Rocky Rd, Lovingston, VA?

866 Rocky Rd, Lovingston, VA has 3 bedrooms, 2 bathrooms, 1,300 square feet of living space and a 11.37-acre lot.

When was 866 Rocky Rd, Lovingston, VA built?

866 Rocky Rd, Lovingston, VA was built in 2022, making it 4 years old. The building has 1 story.

What schools serve 866 Rocky Rd, Lovingston, VA?

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

How does 866 Rocky Rd, Lovingston, VA compare to other homes in Lovingston 22949?

Among the 847 homes in Lovingston 22949, it is worth more than 77% of them ($401,880 against a typical $228,724), its price per square foot is higher than 81% of them ($309 against a typical $205), it is bigger than 33% of them (1,300 ft² against a typical 1,528 ft²), its lot is bigger than 78% of them (11.37 ac against a typical 3 ac) and it is newer than 98% of them (2022 against a typical 1973). Measured against all of Nelson County, it is worth more than 69% 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 866 Rocky Rd, Lovingston, VA?

The 2026 property tax bill for 866 Rocky Rd, Lovingston, VA was $1,872. The county assessed it at $382,000.

Closest homes

More homes in Lovingston 22949

Assigned schools

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