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259 Brooks Point Ln, Union Hall, VA, 24176

4beds
2baths
2,240sqft
$749,000
$334price/sqft
$4,397/moest. monthly cost
$175,880/yrincome needed

About This Home

Just the right size house on Smith Mountain Lake. If one floor living is what you need, the entry level has an open floor plan with vaulted ceiling, spacious modern kitchen and dining area plus two bedrooms with new vinyl plank (use one for an office or craft room) a smartly updated full bath and a laundry closet with full size appliances. Lower level offers a family room, huge laundry and storage room, two bedrooms and an updated full bath. Interior has been painted, can lights with dimmers added throughout. Enjoy the lake and quiet location from the upper or lower decks that span the house. The detached two car garage has a lower level for workshop or storage. Double slip dock on a quiet deep cove minutes from Magnum Point Marina for year round dining, or gassing your watercraft.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

7/10
5/10
4/10

Construction

Condition

  • Property condition: Completed
  • Year built: 1990

Materials

  • Construction materials: Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Electric Range,Refrigerator

Basement

  • Has basement: Yes

Bedroom2

  • Level: E

Bedroom3

  • Level: L

Bedroom4

  • Level: L

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Area

  • Level: E

Family Room

  • Level: L

Features

  • Door features: Storm Door(s),Sliding Doors
  • Window features: Insulated Windows
  • Flooring: Carpet,Ceramic Tile,Vinyl,Wood
  • Number of fireplaces: 1
  • Fireplace features: Great Room
  • Fireplace: Yes
  • Finished area below ground: 1,120
  • Finished area above ground: 1,120

Great Room

  • Level: E

Heating & Cooling

  • Heating features: Heat Pump Electric
  • Cooling features: Heat Pump Electric

Interior Area

  • Total structure area: 2,810
  • Total interior livable area: 2,240 sqft

Kitchen

  • Level: E

Laundry

  • Level: E

Laundry

  • Level: L

Other

  • Level: L

Primary Bedroom

  • Level: E

Property

Details

  • Parcel number: 0520101300
  • Zoning: RC1

Features

  • Patio & porch: Deck,Rear Porch
  • On waterfront: Yes
  • Waterfront features: Waterfront
  • Waterbody name: Smith Mtn Lake

Lot

  • Lot size: 0.50 Acres

Parking

  • Total spaces: 2
  • Parking features: Detached
  • Has garage: Yes
  • Covered spaces: 2

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

  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across Virginia Counties

Flood
Severe Storm
Tornado
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 $3,787$45,444
Home Insurance *$132$1,584
Property Taxes $263$3,156
Electricity $215$2,589
Total$4,397$52,764
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$150,754/yr
40% on housing$131,910/yr
45% on housing$117,253/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -2.3%
-2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$334This listing

vs Other Active Listings

Avg $/sqft

ZIP 24176$324
Franklin County$239

vs Homes Sold Last Month

Median $/sqft

ZIP 24176$290
Franklin County$174

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
2026-04-13Listed for sale$749,000
2026-03-20Listing removed$749,000
2025-09-19Price change$749,000
2025-09-06Price change$756,000
2025-08-04Price change$799,000
2025-06-23Price change$870,000
2025-03-20Listed for sale$895,000
2025-03-20Listing removed$895,000
2024-09-19Listed for sale$895,000
2024-09-19Listing removed$995,000
2024-08-31Listed for sale$995,000
2018-04-02Sold$460,000

For Sale by Agent

AgentDEBBIE SHELTON
BrokerageBERKSHIRE HATHAWAY HOMESERVICES SMITH MOUNTAIN LAKE REAL ESTATE

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