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79 Rock Fence Ln, Elk Creek, VA, 24326

5beds
5baths
3,021sqft
$499,000
$165price/sqft
$3,281/moest. monthly cost
$131,240/yrincome needed

About This Home

Escape to the mountain air of the Blue Ridge Mountains with this spacious 3,000+ square foot retreat on 6 acres at an impressive 3,200 feet in elevation. Surrounded by mature hardwoods and overlooking a picturesque pond, this property offers an exceptional blend of privacy, recreation, and comfort. The home features 5 bedrooms with potential for a 6th, 3 full baths, and 2 half baths, providing ample space for family, guests, or vacation rental opportunities. A massive stone fireplace anchors the living area, while the wraparound porch and deck invite you to relax and enjoy the peaceful setting. The spacious kitchen, generous bedrooms, and full basement provide room to spread out. Outside you'll find a detached two-car garage, additional storage shed, and abundant outdoor space. Located in Elk Creek and convenient to the Blue Ridge Parkway, New River, and Jefferson National Forest, this property is ideal as a primary residence, mountain getaway, or recreational retreat. Call today!

Getting Around

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

Schools

5/10
7/10
7/10

Construction

Condition

  • Property condition: Very Good
  • Year built: 1995

Materials

  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Farm House
  • Property subType: Detached

Interior

Appliances

  • Appliances included: Dishwasher,Dryer/Electric,Microwave,Oven,Electric Range,Refrigerator,Washer,Electric Water Heater
  • Laundry features: Main Level

Basement

  • Area: 1392

Basement

  • Has basement: Yes
  • Basement: Full,Kitchen/Kitchenette,Exterior Entry,Partially Finished,Rec Room/Game Room,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 3
  • 1/2 bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Built-in Features,Ceiling Fan(s),Walk-In Closet(s),Walls-Drywall,Master Downstairs
  • Door features: French Doors
  • Window features: Window Treatments
  • Flooring: Carpet,Vinyl
  • Fireplace features: Basement,Flue,Living Room,Masonry,Wood Burning Stove,Wood Burning
  • Fireplace: Yes
  • Attic: Access Only
  • Finished area below ground: 585
  • Finished area above ground: 2,436

Heating & Cooling

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

Interior Area

  • Total structure area: 3,828
  • Total interior livable area: 3,021 sqft

Property

Accessibility

  • Accessibility features: Handicap Features

Details

  • Parcel number: 22A14D1

Features

  • Levels: Two or More
  • Stories: 2
  • Patio & porch: Deck,Porch,Patio,Deck: 680,Patio: 448
  • Exterior features: Private Yard,Storage
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Stream

Lot

  • Lot size: 6 Acres
  • Features: Rural,Secluded,Wooded

Parking

  • Total spaces: 2
  • Parking features: Double Detached,Gravel
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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 WaveVery High
  • Lightning
    LightningVery High
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Drought
Inland Flooding
Ice Storm
Landslide
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 $2,523$30,276
Home Insurance *$228$2,736
Property Taxes $240$2,880
Electricity $290$3,491
Total$3,281$39,372
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,491/yr
40% on housing$98,430/yr
45% on housing$87,493/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: 8.1%
8.1%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$165This listing

vs Other Active Listings

Avg $/sqft

ZIP 24326$140
Grayson County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 24326
Grayson County$144

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
2026-07-24Price change$499,000
2026-06-09Listed for sale$525,000

For Sale by Agent

AgentJoseph Dixon
BrokerageBerkshire Hathaway Home Services Mountain Sky Properties-Hillsv

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