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35 Spruce Dr, Dugspur, VA, 24325

2beds
1baths
612sqft
$164,000
$268price/sqft
$1,164/moest. monthly cost
$46,560/yrincome needed

About This Home

This charming 2 bedroom/1 bath cottage is the ultimate country/mountain getaway with access to Big Reed Island Creek!! Single level living with a large living room, kitchen/dining combo and a nice deck. Home sits on a .55 (+-) acre lot (Lot #32) in Riverview Subdivision. Also on the property are two storage buildings. Just a short walk or golf cart ride to the waters edge where you can enjoy kayaking, fishing, tubing, etc.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

6/10
6/10
Carroll County MiddleGrades 6-86.5 mi
6/10

Construction

Condition

  • Property condition: Exterior Condition: Good,Interior Condition: Good
  • Year built: 1988

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Wood Siding,Dry Wall

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Area: 0

Basement

  • Basement: Crawl Space,None

Bathroom

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Dining Room

  • Level: Main

Features

  • Ceiling Fan(s),Newer Paint
  • Window features: Vinyl
  • Flooring: Newer Floor Covering,Laminate,Other
  • Fireplace features: Free Standing,Gas Log
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 612

Heating

  • Heating features: Propane

Interior Area

  • Total structure area: 612
  • Total interior livable area: 612 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 70A132
  • Zoning: None

Features

  • Stories: 1
  • Patio & porch: Covered,Deck,Porch
  • Exterior features: Mature Trees
  • Fencing: None
  • Has view: Yes
  • Water view: None
  • Waterfront features: None

Lot

  • Lot size: 0.55 Acres
  • Features: Cleared,Level,Rolling Slope,Views

Parking

  • Parking features: Driveway,Gravel

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Drought
    DroughtModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Drought
Landslide
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across Virginia Counties

Flood
Severe Storm
Tornado
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $829$9,948
Home Insurance *$70$840
Property Taxes $63$756
Electricity $202$2,433
Total$1,164$13,968
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$39,908/yr
40% on housing$34,920/yr
45% on housing$31,040/yr

Virginia FAIR Plan Programs

Virginia Property Insurance Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 22,622Commercial: 503
Total Premiums$20.86M
Total Exposure$4.29B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -6.0%
-6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$268This listing

vs Other Active Listings

Avg $/sqft

ZIP 24325$114
Carroll County$148

vs Homes Sold Last Month

Median $/sqft

ZIP 24325
Carroll County$161

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-22Listed for sale$169,000
2007-07-31Sold$42,500

For Sale by Agent

AgentChristopher Ward
BrokerageWard Real Estate Group, LLC

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