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Single Family ResidenceResidential
$544,151$173 / 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 76How 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

14095 SPOTSWOOD RIDGE DR

RUCKERSVILLE, VA 22968
3
Beds
4 / 1
Baths
3,143 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.
2.33 ac
Lot SizeThe size of the land the home sits on, from county records.
2001
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$544K
$412K low$676K 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.$273,419
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$218,735
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.51%
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.$149,000
WACHOVIA MORTGAGE FSB · R · recorded Feb 19, 2009
2nd 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.$121,732
WELLS FARGO BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,915 (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.$382,700 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$66,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$315,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$382,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$382,700

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.42
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
23
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.
91
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
17
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
CountyOrange
Lot (acres)The size of the land the home sits on, from county records.2.33
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Brick (Unspecified)
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
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 · 192 ft²Porch · 171 ft²

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

E
Locust Grove Primary SchoolC-
Elementary · Grades PK–2 · 2.5 mi
M
Locust Grove Middle SchoolC+
Middle · Grades 6–8 · 3.1 mi
H
Orange County High SchoolB-
High · Grades 9–12 · 15.5 mi

District: Orange County Public Schools

Neighborhood · ZIP 22968These 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.56
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.66

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.12,121
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.295 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$91,825
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$110,122
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.45 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

14095 Spotswood Ridge 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 82% of homes in Orange County
  • Costs less per square foot than 92% of homes in Ruckersville 22968
  • Bigger than 96% of homes in Ruckersville 22968
  • Has a bigger lot than 78% of homes in Ruckersville 22968
  • Newer than 67% of homes in Ruckersville 22968

What homes are worth in Ruckersville 22968

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

This home
$161K$899K

This home is worth more than 80% of homes in Ruckersville 22968.

How it measures up in Ruckersville 22968

The dot is this home. The mark in the middle is the typical home in Ruckersville 22968.

Estimated value$544,151
CheaperTypical $386,221Pricier

Pricier than 80% of homes nearby

Price per ft²$173
CheaperTypical $243Pricier

Pricier than 8% of homes nearby

Living area3,143 ft²
SmallerTypical 1,452 ft²Bigger

Bigger than 96% of homes nearby

Lot size2.33 ac
SmallerTypical 0.96 acBigger

Bigger than 78% of homes nearby

Year built2001
OlderTypical 1995Newer

Newer than 67% of homes nearby

How 14095 Spotswood Ridge Dr ranks against every home in each area.
MeasureThis homeRuckersville 22968Orange County
Estimated valuepricier than$544,15180% of homes82% of homes
Price per ft²pricier than$1738% of homes44% of homes
Living areabigger than3,143 ft²96% of homes80% of homes
Lot sizebigger than2.33 ac78% of homes55% of homes
Year builtnewer than200167% of homes63% of homes

About 14095 Spotswood Ridge Dr

How much is 14095 Spotswood Ridge Dr, Ruckersville, VA worth?

The TopHap Estimate for 14095 Spotswood Ridge Dr, Ruckersville, VA is $544,151 as of Jul 14, 2026. The likely range is $412,207 to $676,095. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 14095 Spotswood Ridge Dr, Ruckersville, VA last sell?

14095 Spotswood Ridge Dr, Ruckersville, VA last sold on Aug 31, 2001, according to the county's recorded deed.

How big is 14095 Spotswood Ridge Dr, Ruckersville, VA?

14095 Spotswood Ridge Dr, Ruckersville, VA has 3 bedrooms, 4 bathrooms, 3,143 square feet of living space and a 2.33-acre lot.

When was 14095 Spotswood Ridge Dr, Ruckersville, VA built?

14095 Spotswood Ridge Dr, Ruckersville, VA was built in 2001, making it 25 years old. The building has 2 stories.

What schools serve 14095 Spotswood Ridge Dr, Ruckersville, VA?

14095 Spotswood Ridge Dr, Ruckersville, VA is assigned to Locust Grove Primary School (elementary), rated C-; Locust Grove Middle School (middle), rated C+; Orange County High School (high), rated B-. All sit in Orange County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 14095 Spotswood Ridge Dr, Ruckersville, VA compare to other homes in Ruckersville 22968?

Among the 4,722 homes in Ruckersville 22968, it is worth more than 80% of them ($544,151 against a typical $386,221), its price per square foot is higher than 8% of them ($173 against a typical $243), it is bigger than 96% of them (3,143 ft² against a typical 1,452 ft²), its lot is bigger than 78% of them (2.33 ac against a typical 0.96 ac) and it is newer than 67% of them (2001 against a typical 1995). Measured against all of Orange County, it is worth more than 82% 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 14095 Spotswood Ridge Dr, Ruckersville, VA?

The 2025 property tax bill for 14095 Spotswood Ridge Dr, Ruckersville, VA was $2,915. The county assessed it at $382,700.

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Assigned schools

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