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Single Family ResidenceResidential
$741,552$226 / 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 $725,000 on Dec 15, 2025

431 SHIPS ROW

MONTROSS, VA 22520
2
Baths
3,286 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.
2004
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
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

$742K
$678K low$805K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$725,000 · Dec 15, 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.$276,552
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$221,242
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.63%
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.$465,000
UNITED BANK · recorded Dec 15, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,194 (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.$469,700 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$154,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$314,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$469,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$469,700

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.139 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.1 percent flood zone

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.Conventional
CountyWestmoreland
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.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.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.Boat liftDeck · 36 ft²

Transaction History(2)

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.

E
Cople Elementary SchoolC+
Elementary · Grades PK–5 · 4.9 mi
M
Montross Middle SchoolB+
Middle · Grades 6–8 · 7.6 mi
H
Westmoreland High SchoolC
High · Grades 9–12 · 8.8 mi

District: Westmoreland County Public Schools

Neighborhood · ZIP 22520These 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.117
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 100.38

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.69%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
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.0.9%
PopulationHow many people live in this area.5,876
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.56 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,319
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$86,531
Average tempThe average temperature here across a full year.57°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

431 Ships Row 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 98% of homes in Westmoreland County
  • Costs more per square foot than 89% of homes in Montross 22520
  • Bigger than 89% of homes in Westmoreland County
  • Newer than 77% of homes in Montross 22520

What homes are worth in Montross 22520

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

This home
$42K$770K

This home is worth more than 97% of homes in Montross 22520.

How it measures up in Montross 22520

The dot is this home. The mark in the middle is the typical home in Montross 22520.

Estimated value$741,552
CheaperTypical $177,998Pricier

Pricier than 97% of homes nearby

Price per ft²$226
CheaperTypical $151Pricier

Pricier than 89% of homes nearby

Living area3,286 ft²
SmallerTypical 2,010 ft²Bigger

Bigger than 85% of homes nearby

Year built2004
OlderTypical 1989Newer

Newer than 77% of homes nearby

How 431 Ships Row ranks against every home in each area.
MeasureThis homeMontross 22520Westmoreland County
Estimated valuepricier than$741,55297% of homes98% of homes
Price per ft²pricier than$22689% of homes80% of homes
Living areabigger than3,286 ft²85% of homes89% of homes
Year builtnewer than200477% of homes74% of homes

About 431 Ships Row

How much is 431 Ships Row, Montross, VA worth?

The TopHap Estimate for 431 Ships Row, Montross, VA is $741,552 as of Jul 14, 2026. The likely range is $677,654 to $805,450. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 431 Ships Row, Montross, VA last sell?

431 Ships Row, Montross, VA last sold on Dec 15, 2025 for $725,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 431 Ships Row, Montross, VA?

431 Ships Row, Montross, VA has 2 bathrooms and 3,286 square feet of living space.

When was 431 Ships Row, Montross, VA built?

431 Ships Row, Montross, VA was built in 2004, making it 22 years old. It is a conventional home. The building has 2 stories.

What schools serve 431 Ships Row, Montross, VA?

431 Ships Row, Montross, VA is assigned to Cople Elementary School (elementary), rated C+; Montross Middle School (middle), rated B+; Westmoreland High School (high), rated C. All sit in Westmoreland County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 431 Ships Row, Montross, VA compare to other homes in Montross 22520?

Among the 6,617 homes in Montross 22520, it is worth more than 97% of them ($741,552 against a typical $177,998), its price per square foot is higher than 89% of them ($226 against a typical $151), it is bigger than 85% of them (3,286 ft² against a typical 2,010 ft²) and it is newer than 77% of them (2004 against a typical 1989). Measured against all of Westmoreland County, it is worth more than 98% 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 431 Ships Row, Montross, VA?

The 2025 property tax bill for 431 Ships Row, Montross, VA was $3,194. The county assessed it at $469,700.

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Assigned schools

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See this home in context

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