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Single Family ResidenceResidential
$250,925$201 / 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 91How 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 $195,000 on Jul 17, 2015

981 SWAN LN

RUTHER GLEN, VA 22546
3
Beds
3
Baths
1,250 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.
2005
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
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

$251K
$227K low$274K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$195,000 · Jul 17, 2015
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.$45,450
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$36,360
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.82%
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.$205,475
JFQ LENDING INC · recorded Jan 13, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,166 (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.$373,400 (2026)
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.$323,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$373,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$373,400

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.43
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
16
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
80
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
93
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
28
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
StyleThe architectural style of the home, such as ranch or colonial.Split Foyer
CountyCAROLINE
Lot (acres)The size of the land the home sits on, from county records.0.51
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
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Built-in
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(7)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(2)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Lewis and Clark Elementary SchoolB+
Elementary · Grades PK–5 · 2.0 mi
H
Caroline High SchoolD
High · Grades 9–12 · 8.4 mi
M
Caroline Middle SchoolD+
Middle · Grades 6–8 · 8.6 mi

District: Caroline County Public Schools

Neighborhood · ZIP 22546These 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.100
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.93
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.64

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.18,362
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.116 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$86,895
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$118,029
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.44 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

981 Swan 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 less than 74% of homes in Ruther Glen 22546
  • Smaller than 65% of homes in Caroline County
  • Newer than 75% of homes in Caroline County

What homes are worth in Ruther Glen 22546

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

This home
$121K$600K

This home is worth more than 26% of homes in Ruther Glen 22546.

How it measures up in Ruther Glen 22546

The dot is this home. The mark in the middle is the typical home in Ruther Glen 22546.

Estimated value$250,925
CheaperTypical $311,978Pricier

Pricier than 26% of homes nearby

Price per ft²$201
CheaperTypical $207Pricier

Pricier than 46% of homes nearby

Living area1,250 ft²
SmallerTypical 1,444 ft²Bigger

Bigger than 37% of homes nearby

Lot size0.51 ac
SmallerTypical 0.49 acBigger

Bigger than 53% of homes nearby

Year built2005
OlderTypical 2001Newer

Newer than 70% of homes nearby

How 981 Swan Ln ranks against every home in each area.
MeasureThis homeRuther Glen 22546Caroline County
Estimated valuepricier than$250,92526% of homes32% of homes
Price per ft²pricier than$20146% of homes49% of homes
Living areabigger than1,250 ft²37% of homes35% of homes
Lot sizebigger than0.51 ac53% of homes40% of homes
Year builtnewer than200570% of homes75% of homes

About 981 Swan Ln

How much is 981 Swan Ln, Ruther Glen, VA worth?

The TopHap Estimate for 981 Swan Ln, Ruther Glen, VA is $250,925 as of Jul 14, 2026. The likely range is $227,455 to $274,395. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 981 Swan Ln, Ruther Glen, VA last sell?

981 Swan Ln, Ruther Glen, VA last sold on Jul 17, 2015 for $195,000, according to the county's recorded deed. TopHap holds 7 recorded sales for this parcel.

How big is 981 Swan Ln, Ruther Glen, VA?

981 Swan Ln, Ruther Glen, VA has 3 bedrooms, 3 bathrooms, 1,250 square feet of living space and a 0.51-acre lot.

When was 981 Swan Ln, Ruther Glen, VA built?

981 Swan Ln, Ruther Glen, VA was built in 2005, making it 21 years old. It is a split foyer home. The building has 1 story.

What schools serve 981 Swan Ln, Ruther Glen, VA?

981 Swan Ln, Ruther Glen, VA is assigned to Lewis and Clark Elementary School (elementary), rated B+; Caroline High School (high), rated D; Caroline Middle School (middle), rated D+. All sit in Caroline County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 981 Swan Ln, Ruther Glen, VA compare to other homes in Ruther Glen 22546?

Among the 7,949 homes in Ruther Glen 22546, it is worth more than 26% of them ($250,925 against a typical $311,978), its price per square foot is higher than 46% of them ($201 against a typical $207), it is bigger than 37% of them (1,250 ft² against a typical 1,444 ft²), its lot is bigger than 53% of them (0.51 ac against a typical 0.49 ac) and it is newer than 70% of them (2005 against a typical 2001). Measured against all of Caroline County, it is worth more than 32% 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 981 Swan Ln, Ruther Glen, VA?

The 2026 property tax bill for 981 Swan Ln, Ruther Glen, VA was $2,166. The county assessed it at $373,400.

Closest homes

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Assigned schools

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