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Single Family ResidenceResidential
$449,530$275 / 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 87How 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

MONTEREY, VA 24465
3
Beds
2
Baths
1,632 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.
5 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.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$450K
$389K low$510K 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.$429,530
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$343,624
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.4%
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.$20,000
FIRST & CITIZENS BANK · recorded Jan 12, 2009

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,634 (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.$320,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$30,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$290,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$39,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$320,400

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.49
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
14
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
73
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.
68
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
CountyHIGHLAND
Lot (acres)The size of the land the home sits on, from county records.5.00
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
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 · 240 ft²Shed · 320 ft²Porch · 72 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.

M
Highland High SchoolA-
Middle · Grades 6–12 · 7.8 mi
E
Highland Elementary SchoolB+
Elementary · Grades PK–5 · 7.8 mi

District: Highland County Public Schools

Neighborhood · ZIP 24465These 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.125
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.79
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.43

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.66%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.5%
PopulationHow many people live in this area.1,368
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.8 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$60,898
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$72,757
Average tempThe average temperature here across a full year.48°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.Absentee owner
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

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 68% of homes in Monterey 24465
  • Costs more per square foot than 69% of homes in Monterey 24465
  • Among the newest homes in Monterey 24465

What homes are worth in Monterey 24465

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

This home
$94K$1.6M

This home is worth more than 68% of homes in Monterey 24465.

How it measures up in Monterey 24465

The dot is this home. The mark in the middle is the typical home in Monterey 24465.

Estimated value$449,530
CheaperTypical $317,848Pricier

Pricier than 68% of homes nearby

Price per ft²$275
CheaperTypical $205Pricier

Pricier than 69% of homes nearby

Living area1,632 ft²
SmallerTypical 1,508 ft²Bigger

Bigger than 57% of homes nearby

Lot size5 ac
SmallerTypical 5.4 acBigger

Bigger than 48% of homes nearby

Year built2024
OlderTypical 1972Newer

Newer than almost all homes nearby

How ranks against every home in each area.
MeasureThis homeMonterey 24465Highland County
Estimated valuepricier than$449,53068% of homes68% of homes
Price per ft²pricier than$27569% of homes65% of homes
Living areabigger than1,632 ft²57% of homes59% of homes
Lot sizebigger than5 ac48% of homes46% of homes
Year builtnewer than2024almost all homesalmost all homes

About

How much is , Monterey, VA worth?

The TopHap Estimate for , Monterey, VA is $449,530 as of Jul 14, 2026. The likely range is $389,252 to $509,808. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did , Monterey, VA last sell?

, Monterey, VA last sold on Jan 12, 2009, according to the county's recorded deed.

How big is , Monterey, VA?

, Monterey, VA has 3 bedrooms, 2 bathrooms, 1,632 square feet of living space and a 5.00-acre lot.

When was , Monterey, VA built?

, Monterey, VA was built in 2024, making it 2 years old.

What schools serve , Monterey, VA?

, Monterey, VA is assigned to Highland High School (middle), rated A-; Highland Elementary School (elementary), rated B+. All sit in Highland County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does , Monterey, VA compare to other homes in Monterey 24465?

Among the 1,002 homes in Monterey 24465, it is worth more than 68% of them ($449,530 against a typical $317,848), its price per square foot is higher than 69% of them ($275 against a typical $205), it is bigger than 57% of them (1,632 ft² against a typical 1,508 ft²), its lot is bigger than 48% of them (5 ac against a typical 5.4 ac) and it is newer than almost all of them (2024 against a typical 1972). Measured against all of Highland County, it is worth more than 68% 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 , Monterey, VA?

The 2026 property tax bill for , Monterey, VA was $1,634. The county assessed it at $320,400.

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Assigned schools

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