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Single Family ResidenceResidential
$313,695$262 / 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 98How 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

89 HARDWARE RIVER DR

SCOTTSVILLE, VA 24590
3
Beds
2
Baths
1,196 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.
5.05 ac
Lot SizeThe size of the land the home sits on, from county records.
2006
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

$314K
$307K low$321K 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.$149,720
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$119,776
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.64%
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.$163,975
recorded Apr 27, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,026 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$268,300 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$48,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$219,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$268,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$268,300

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyFLUVANNA
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2012
Lot (acres)The size of the land the home sits on, from county records.5.05
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
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 · 36 ft²

Transaction History(4)

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
Central Elementary SchoolC
Elementary · Grades 1–2 · 8.7 mi
M
Fluvanna Middle SchoolB
Middle · Grades 5–7 · 8.9 mi
H
Fluvanna County High SchoolC+
High · Grades 8–12 · 10.4 mi

District: Fluvanna 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

89 Hardware River Dr 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.

  • Costs more per square foot than 82% of homes in Fluvanna County
  • Smaller than 81% of homes in Fluvanna County
  • Has a bigger lot than 79% of homes in Fluvanna County
  • Newer than 85% 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 53% 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$313,695
CheaperTypical $302,656Pricier

Pricier than 53% of homes nearby

Price per ft²$262
CheaperTypical $237Pricier

Pricier than 69% of homes nearby

Living area1,196 ft²
SmallerTypical 1,484 ft²Bigger

Bigger than 29% of homes nearby

Lot size5.05 ac
SmallerTypical 2.97 acBigger

Bigger than 67% of homes nearby

Year built2006
OlderTypical 1989Newer

Newer than 85% of homes nearby

How 89 Hardware River Dr ranks against every home in each area.
MeasureThis homeScottsville 24590Fluvanna County
Estimated valuepricier than$313,69553% of homes39% of homes
Price per ft²pricier than$26269% of homes82% of homes
Living areabigger than1,196 ft²29% of homes19% of homes
Lot sizebigger than5.05 ac67% of homes79% of homes
Year builtnewer than200685% of homes82% of homes

About 89 Hardware River Dr

How much is 89 Hardware River Dr, Scottsville, VA worth?

The TopHap Estimate for 89 Hardware River Dr, Scottsville, VA is $313,695 as of Jul 14, 2026. The likely range is $306,544 to $320,846. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 89 Hardware River Dr, Scottsville, VA last sell?

89 Hardware River Dr, Scottsville, VA last sold on Apr 27, 2017, according to the county's recorded deed.

How big is 89 Hardware River Dr, Scottsville, VA?

89 Hardware River Dr, Scottsville, VA has 3 bedrooms, 2 bathrooms, 1,196 square feet of living space and a 5.05-acre lot.

When was 89 Hardware River Dr, Scottsville, VA built?

89 Hardware River Dr, Scottsville, VA was built in 2006, making it 20 years old. The building has 1 story.

What schools serve 89 Hardware River Dr, Scottsville, VA?

89 Hardware River Dr, Scottsville, VA is assigned to Central Elementary School (elementary), rated C; Fluvanna Middle School (middle), rated B; Fluvanna County High School (high), rated C+. All sit in Fluvanna County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 89 Hardware River Dr, Scottsville, VA compare to other homes in Scottsville 24590?

Among the 3,423 homes in Scottsville 24590, it is worth more than 53% of them ($313,695 against a typical $302,656), its price per square foot is higher than 69% of them ($262 against a typical $237), it is bigger than 29% of them (1,196 ft² against a typical 1,484 ft²), its lot is bigger than 67% of them (5.05 ac against a typical 2.97 ac) and it is newer than 85% of them (2006 against a typical 1989). Measured against all of Fluvanna County, it is worth more than 39% 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 89 Hardware River Dr, Scottsville, VA?

The 2025 property tax bill for 89 Hardware River Dr, Scottsville, VA was $2,026. The county assessed it at $268,300.

Closest homes

More homes in Scottsville 24590

Assigned schools

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