Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$552,558$229 / 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

95 RAY RIDGE LN

INDEPENDENCE, VA 24348
3
Beds
2
Baths
2,415 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.
39.79 ac
Lot SizeThe size of the land the home sits on, from county records.
2005
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

$553K
$490K low$615K 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.$416,558
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$333,246
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.25%
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.$136,000
NEWREZ LLC · R · recorded Jun 3, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,138 (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.$368,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$171,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$197,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$368,600

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyGRAYSON
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.2017
Lot (acres)The size of the land the home sits on, from county records.39.79
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Space
CoolingThe type of cooling or air conditioning in the home.None
GarageWhether the property has a garage, and details like whether it is attached to the home.No Garage
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 · 304 ft²Porch · 656 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.

H
Grayson County High SchoolB
High · Grades 9–12 · 1.6 mi
M
Independence Middle SchoolA-
Middle · Grades 6–8 · 1.7 mi
E
Independence Elementary SchoolC
Elementary · Grades PK–5 · 2.2 mi

District: Grayson County Public Schools

Neighborhood · ZIP 24348These 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.146
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.102
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.94

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.67%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.10%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.6%
PopulationHow many people live in this area.4,369
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.42 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$41,437
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$59,939
Average tempThe average temperature here across a full year.51°F
Annual precipHow much rain and melted snow falls here in a typical year.43 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

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

95 Ray Ridge Ln 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 95% of homes in Grayson County
  • Costs more per square foot than 79% of homes in Grayson County
  • Bigger than 93% of homes in Grayson County
  • Has a bigger lot than 93% of homes in Independence 24348
  • Newer than 91% of homes in Grayson County

What homes are worth in Independence 24348

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

This home
$52K$810K

This home is worth more than 93% of homes in Independence 24348.

How it measures up in Independence 24348

The dot is this home. The mark in the middle is the typical home in Independence 24348.

Estimated value$552,558
CheaperTypical $224,226Pricier

Pricier than 93% of homes nearby

Price per ft²$229
CheaperTypical $159Pricier

Pricier than 78% of homes nearby

Living area2,415 ft²
SmallerTypical 1,344 ft²Bigger

Bigger than 91% of homes nearby

Lot size39.79 ac
SmallerTypical 2.04 acBigger

Bigger than 93% of homes nearby

Year built2005
OlderTypical 1972Newer

Newer than 90% of homes nearby

How 95 Ray Ridge Ln ranks against every home in each area.
MeasureThis homeIndependence 24348Grayson County
Estimated valuepricier than$552,55893% of homes95% of homes
Price per ft²pricier than$22978% of homes79% of homes
Living areabigger than2,415 ft²91% of homes93% of homes
Lot sizebigger than39.79 ac93% of homes92% of homes
Year builtnewer than200590% of homes91% of homes

About 95 Ray Ridge Ln

How much is 95 Ray Ridge Ln, Independence, VA worth?

The TopHap Estimate for 95 Ray Ridge Ln, Independence, VA is $552,558 as of Jul 14, 2026. The likely range is $489,935 to $615,181. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 95 Ray Ridge Ln, Independence, VA last sell?

95 Ray Ridge Ln, Independence, VA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 95 Ray Ridge Ln, Independence, VA?

95 Ray Ridge Ln, Independence, VA has 3 bedrooms, 2 bathrooms, 2,415 square feet of living space and a 39.79-acre lot.

When was 95 Ray Ridge Ln, Independence, VA built?

95 Ray Ridge Ln, Independence, VA was built in 2005, making it 21 years old. The building has 1 story.

What schools serve 95 Ray Ridge Ln, Independence, VA?

95 Ray Ridge Ln, Independence, VA is assigned to Grayson County High School (high), rated B; Independence Middle School (middle), rated A-; Independence Elementary School (elementary), rated C. All sit in Grayson County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 95 Ray Ridge Ln, Independence, VA compare to other homes in Independence 24348?

Among the 2,079 homes in Independence 24348, it is worth more than 93% of them ($552,558 against a typical $224,226), its price per square foot is higher than 78% of them ($229 against a typical $159), it is bigger than 91% of them (2,415 ft² against a typical 1,344 ft²), its lot is bigger than 93% of them (39.79 ac against a typical 2.04 ac) and it is newer than 90% of them (2005 against a typical 1972). Measured against all of Grayson County, it is worth more than 95% 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 95 Ray Ridge Ln, Independence, VA?

The 2025 property tax bill for 95 Ray Ridge Ln, Independence, VA was $2,138. The county assessed it at $368,600.

Closest homes

More homes in Independence 24348

Assigned schools

Explore the area

See this home in context

Open 95 Ray Ridge Ln on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map