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Single Family ResidenceResidential
$559,567$221 / 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 $48,000 on Apr 28, 2022

95 WATERFRONT DR

RAPHINE, VA 24472
3
Beds
2
Baths
2,530 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.
0.51 ac
Lot SizeThe size of the land the home sits on, from county records.
2024
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
11
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$560K
$515K low$604K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$48,000 · Apr 28, 2022
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.$480,567
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$384,454
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.13%
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.$79,000
ATLANTIC UNION BK · 6.23% · recorded Jun 4, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$320 (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.$450,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$50,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$400,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$50,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$450,100

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
CountyROCKBRIDGE
Lot (acres)The size of the land the home sits on, from county records.0.52
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
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

Transaction History(3)

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
Fairfield Elementary SchoolB-
Elementary · Grades PK–5 · 4.3 mi
H
Rockbridge County High SchoolB-
High · Grades 9–12 · 13.0 mi
M
Maury River Middle SchoolC+
Middle · Grades 6–8 · 15.1 mi

District: Rockbridge County Public Schools

Neighborhood · ZIP 24472These 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.135
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.60

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.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.6%
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.2,886
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.40 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,251
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$89,145
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.47 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

95 Waterfront 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.

  • Worth more than 83% of homes in Rockbridge County
  • Bigger than 86% of homes in Rockbridge County
  • Has a smaller lot than 96% of homes in Raphine 24472
  • Among the newest homes in Raphine 24472

What homes are worth in Raphine 24472

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

This home
$127K$1.3M

This home is worth more than 78% of homes in Raphine 24472.

How it measures up in Raphine 24472

The dot is this home. The mark in the middle is the typical home in Raphine 24472.

Estimated value$559,567
CheaperTypical $374,499Pricier

Pricier than 78% of homes nearby

Price per ft²$221
CheaperTypical $212Pricier

Pricier than 55% of homes nearby

Living area2,530 ft²
SmallerTypical 1,800 ft²Bigger

Bigger than 78% of homes nearby

Lot size0.51 ac
SmallerTypical 2.81 acBigger

Bigger than 4% of homes nearby

Year built2024
OlderTypical 1982Newer

Newer than almost all homes nearby

How 95 Waterfront Dr ranks against every home in each area.
MeasureThis homeRaphine 24472Rockbridge County
Estimated valuepricier than$559,56778% of homes83% of homes
Price per ft²pricier than$22155% of homes57% of homes
Living areabigger than2,530 ft²78% of homes86% of homes
Lot sizebigger than0.51 ac4% of homes11% of homes
Year builtnewer than2024almost all homesalmost all homes

About 95 Waterfront Dr

How much is 95 Waterfront Dr, Raphine, VA worth?

The TopHap Estimate for 95 Waterfront Dr, Raphine, VA is $559,567 as of Jul 14, 2026. The likely range is $514,786 to $604,348. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 95 Waterfront Dr, Raphine, VA last sell?

95 Waterfront Dr, Raphine, VA last sold on Apr 28, 2022 for $48,000, according to the county's recorded deed.

How big is 95 Waterfront Dr, Raphine, VA?

95 Waterfront Dr, Raphine, VA has 3 bedrooms, 2 bathrooms, 2,530 square feet of living space and a 0.52-acre lot.

When was 95 Waterfront Dr, Raphine, VA built?

95 Waterfront Dr, Raphine, VA was built in 2024, making it 2 years old. The building has 1 story.

What schools serve 95 Waterfront Dr, Raphine, VA?

95 Waterfront Dr, Raphine, VA is assigned to Fairfield Elementary School (elementary), rated B-; Rockbridge County High School (high), rated B-; Maury River Middle School (middle), rated C+. All sit in Rockbridge County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 95 Waterfront Dr, Raphine, VA compare to other homes in Raphine 24472?

Among the 1,018 homes in Raphine 24472, it is worth more than 78% of them ($559,567 against a typical $374,499), its price per square foot is higher than 55% of them ($221 against a typical $212), it is bigger than 78% of them (2,530 ft² against a typical 1,800 ft²), its lot is bigger than 4% of them (0.51 ac against a typical 2.81 ac) and it is newer than almost all of them (2024 against a typical 1982). Measured against all of Rockbridge County, it is worth more than 83% 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 Waterfront Dr, Raphine, VA?

The 2025 property tax bill for 95 Waterfront Dr, Raphine, VA was $320. The county assessed it at $450,100.

Closest homes

More homes in Raphine 24472

Assigned schools

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