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Single Family ResidenceResidential
$575,039$221 / 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 93How 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 $565,000 on Oct 6, 2025

20646 RIVER RD

RAPIDAN, VA 22733
3
Beds
3 / 1
Baths
2,602 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.
4.99 ac
Lot SizeThe size of the land the home sits on, from county records.
1999
Year BuiltThe year the home was originally built, according to county records.
2
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.

Valuation

$575K
$536K low$614K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$565,000 · Oct 6, 2025
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.$325,039
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$260,031
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.43%
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.$250,000
WILLIAM DOUGLAS HARRIS ETAL · recorded Oct 6, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,483 (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.$323,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$73,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$250,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$323,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$323,100

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.41
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
20
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.
89
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.5.00
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Block (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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 144 ft²Porch · 557 ft²

Transaction History(4)

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
Locust Grove Middle SchoolC+
Middle · Grades 6–8 · 2.2 mi
E
Locust Grove Primary SchoolC-
Elementary · Grades PK–2 · 5.0 mi
H
Orange County High SchoolB-
High · Grades 9–12 · 19.8 mi

District: Orange County Public Schools

Neighborhood · ZIP 22733These 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.80
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.56

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.4%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.2,620
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.54 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$84,556
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$111,101
Average tempThe average temperature here across a full year.56°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

20646 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 more than 86% of homes in Orange County
  • Costs more per square foot than 71% of homes in Orange County
  • Bigger than 78% of homes in Rapidan 22733
  • Has a bigger lot than 76% of homes in Orange County
  • Newer than 74% of homes in Rapidan 22733

What homes are worth in Rapidan 22733

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

This home
$170K$1.3M

This home is worth more than 75% of homes in Rapidan 22733.

How it measures up in Rapidan 22733

The dot is this home. The mark in the middle is the typical home in Rapidan 22733.

Estimated value$575,039
CheaperTypical $422,153Pricier

Pricier than 75% of homes nearby

Price per ft²$221
CheaperTypical $242Pricier

Pricier than 38% of homes nearby

Living area2,602 ft²
SmallerTypical 1,784 ft²Bigger

Bigger than 78% of homes nearby

Lot size4.99 ac
SmallerTypical 3.94 acBigger

Bigger than 55% of homes nearby

Year built1999
OlderTypical 1978Newer

Newer than 74% of homes nearby

How 20646 River Rd ranks against every home in each area.
MeasureThis homeRapidan 22733Orange County
Estimated valuepricier than$575,03975% of homes86% of homes
Price per ft²pricier than$22138% of homes71% of homes
Living areabigger than2,602 ft²78% of homes64% of homes
Lot sizebigger than4.99 ac55% of homes76% of homes
Year builtnewer than199974% of homes60% of homes

About 20646 River Rd

How much is 20646 River Rd, Rapidan, VA worth?

The TopHap Estimate for 20646 River Rd, Rapidan, VA is $575,039 as of Jul 14, 2026. The likely range is $535,638 to $614,440. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20646 River Rd, Rapidan, VA last sell?

20646 River Rd, Rapidan, VA last sold on Oct 6, 2025 for $565,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 20646 River Rd, Rapidan, VA?

20646 River Rd, Rapidan, VA has 3 bedrooms, 3 bathrooms, 2,602 square feet of living space and a 5.00-acre lot.

When was 20646 River Rd, Rapidan, VA built?

20646 River Rd, Rapidan, VA was built in 1999, making it 27 years old. The building has 2 stories.

What schools serve 20646 River Rd, Rapidan, VA?

20646 River Rd, Rapidan, VA is assigned to Locust Grove Middle School (middle), rated C+; Locust Grove Primary School (elementary), 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 20646 River Rd, Rapidan, VA compare to other homes in Rapidan 22733?

Among the 536 homes in Rapidan 22733, it is worth more than 75% of them ($575,039 against a typical $422,153), its price per square foot is higher than 38% of them ($221 against a typical $242), it is bigger than 78% of them (2,602 ft² against a typical 1,784 ft²), its lot is bigger than 55% of them (4.99 ac against a typical 3.94 ac) and it is newer than 74% of them (1999 against a typical 1978). Measured against all of Orange County, it is worth more than 86% 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 20646 River Rd, Rapidan, VA?

The 2025 property tax bill for 20646 River Rd, Rapidan, VA was $2,483. The county assessed it at $323,100.

More homes on River Rd

Closest homes

More homes in Rapidan 22733

Assigned schools

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