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Single Family ResidenceResidential
$1,554,998$411 / 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 56How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

981 RACETRACK RD

URBANNA, VA 23175
4
Beds
5
Baths
3,788 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.
3.99 ac
Lot SizeThe size of the land the home sits on, from county records.
2007
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

$1.6M
$877K low$2.2M high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,010 (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.$821,300 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$296,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$524,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$821,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$821,300

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.136 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.79%
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.1 percent flood zone

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
CountyMIDDLESEX
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.2015
Lot (acres)The size of the land the home sits on, from county records.3.99
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Boat liftPorch · 32 ft²Boat access

Transaction History(2)

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
Middlesex High SchoolC+
High · Grades 9–12 · 4.2 mi
E
Middlesex Elementary SchoolC-
Elementary · Grades PK–5 · 7.7 mi
M
St. Clare Walker Middle SchoolC+
Middle · Grades 6–8 · 7.8 mi

District: Middlesex County Public Schools

Neighborhood · ZIP 23175These 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.155
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.35

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.74%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.22%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.9%
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.1,496
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.77 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$52,758
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$70,365
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.46 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

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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

981 Racetrack 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.

  • Among the most valuable homes in Urbanna 23175
  • Costs more per square foot than 95% of homes in Urbanna 23175
  • Bigger than 97% of homes in Middlesex County
  • Has a bigger lot than 86% of homes in Urbanna 23175
  • Newer than 91% of homes in Urbanna 23175

What homes are worth in Urbanna 23175

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

This home
$104K$1.2M

This home is worth more than almost all homes in Urbanna 23175.

How it measures up in Urbanna 23175

The dot is this home. The mark in the middle is the typical home in Urbanna 23175.

Estimated value$1,554,998
CheaperTypical $360,014Pricier

Pricier than almost all homes nearby

Price per ft²$411
CheaperTypical $210Pricier

Pricier than 95% of homes nearby

Living area3,788 ft²
SmallerTypical 1,647 ft²Bigger

Bigger than 96% of homes nearby

Lot size3.99 ac
SmallerTypical 0.88 acBigger

Bigger than 86% of homes nearby

Year built2007
OlderTypical 1978Newer

Newer than 91% of homes nearby

How 981 Racetrack Rd ranks against every home in each area.
MeasureThis homeUrbanna 23175Middlesex County
Estimated valuepricier than$1,554,998almost all homesalmost all homes
Price per ft²pricier than$41195% of homes90% of homes
Living areabigger than3,788 ft²96% of homes97% of homes
Lot sizebigger than3.99 ac86% of homes83% of homes
Year builtnewer than200791% of homes89% of homes

About 981 Racetrack Rd

How much is 981 Racetrack Rd, Urbanna, VA worth?

The TopHap Estimate for 981 Racetrack Rd, Urbanna, VA is $1,554,998 as of Aug 30, 2026. The likely range is $876,768 to $2,233,228. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 981 Racetrack Rd, Urbanna, VA last sell?

981 Racetrack Rd, Urbanna, VA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 981 Racetrack Rd, Urbanna, VA?

981 Racetrack Rd, Urbanna, VA has 4 bedrooms, 5 bathrooms, 3,788 square feet of living space and a 3.99-acre lot.

When was 981 Racetrack Rd, Urbanna, VA built?

981 Racetrack Rd, Urbanna, VA was built in 2007, making it 19 years old. The building has 2 stories.

What schools serve 981 Racetrack Rd, Urbanna, VA?

981 Racetrack Rd, Urbanna, VA is assigned to Middlesex High School (high), rated C+; Middlesex Elementary School (elementary), rated C-; St. Clare Walker Middle School (middle), rated C+. All sit in Middlesex County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 981 Racetrack Rd, Urbanna, VA compare to other homes in Urbanna 23175?

Among the 1,268 homes in Urbanna 23175, it is worth more than almost all of them ($1,554,998 against a typical $360,014), its price per square foot is higher than 95% of them ($411 against a typical $210), it is bigger than 96% of them (3,788 ft² against a typical 1,647 ft²), its lot is bigger than 86% of them (3.99 ac against a typical 0.88 ac) and it is newer than 91% of them (2007 against a typical 1978). Measured against all of Middlesex County, it is worth more than almost all 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 981 Racetrack Rd, Urbanna, VA?

The 2026 property tax bill for 981 Racetrack Rd, Urbanna, VA was $5,010. The county assessed it at $821,300.

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