Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$59,008
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 67How 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

JAMES RIVER RD

LOVINGSTON, VA 22949
0
Baths
4,334 ft²
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$59K
$40K low$78K 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.$59,008
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$47,206

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6 (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.$1,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,000

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.44
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
26
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
81
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.
20
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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
CountyNELSON
Lot (acres)The size of the land the home sits on, from county records.0.10
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

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

M
Nelson Middle SchoolB+
Middle · Grades 6–8 · 1.9 mi
H
Nelson County High SchoolC-
High · Grades 9–12 · 2.1 mi
E
Tye River Elementary SchoolB-
Elementary · Grades PK–5 · 3.8 mi

District: Nelson County Public Schools

Neighborhood · ZIP 22949These 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.127
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.72

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.81%
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.11%
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.1,084
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.30 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$72,929
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$104,126
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.50 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.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

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

James River 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.

  • Worth less than 94% of homes in Lovingston 22949
  • Among the smallest lots in Lovingston 22949

What homes are worth in Lovingston 22949

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

This home
$48K$1M

This home is worth more than 6% of homes in Lovingston 22949.

How it measures up in Lovingston 22949

The dot is this home. The mark in the middle is the typical home in Lovingston 22949.

Estimated value$59,008
CheaperTypical $227,910Pricier

Pricier than 6% of homes nearby

Lot size4,334 ft²
SmallerTypical 3 acBigger

Smaller than almost all homes nearby

How James River Rd ranks against every home in each area.
MeasureThis homeLovingston 22949Nelson County
Estimated valuepricier than$59,0086% of homes7% of homes
Lot sizebigger than4,334 ft²almost no homes6% of homes

About James River Rd

How much is James River Rd, Lovingston, VA worth?

The TopHap Estimate for James River Rd, Lovingston, VA is $59,008 as of Jul 14, 2026. The likely range is $39,772 to $78,244. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did James River Rd, Lovingston, VA last sell?

James River Rd, Lovingston, VA last sold on Jan 1, 1900, according to the county's recorded deed.

What schools serve James River Rd, Lovingston, VA?

James River Rd, Lovingston, VA is assigned to Nelson Middle School (middle), rated B+; Nelson County High School (high), rated C-; Tye River Elementary School (elementary), rated B-. All sit in Nelson County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does James River Rd, Lovingston, VA compare to other homes in Lovingston 22949?

Among the 847 homes in Lovingston 22949, it is worth more than 6% of them ($59,008 against a typical $227,910) and its lot is bigger than almost none of them (4,334 ft² against a typical 3 ac). Measured against all of Nelson County, it is worth more than 7% 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 James River Rd, Lovingston, VA?

The 2026 property tax bill for James River Rd, Lovingston, VA was $6. The county assessed it at $1,000.

Closest homes

More homes in Lovingston 22949

Assigned schools

Explore the area

See this home in context

Open James River Rd 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