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41 Raleigh Dr, Kilmarnock, VA, 22482

4beds
4baths
4,000sqft
$699,000
$175price/sqft
$4,595/moest. monthly cost
$183,800/yrincome needed

About This Home

$50,000 Buyer Improvement Allowance! Seller is offering a remarkable $50,000 allowance at closing for new appliances, renovations, updates, etc., giving the next owner the opportunity to personalize this exceptional property to their own taste. “What’s Special” : Move-in Ready; Peaceful park-like setting; Luxurious, full-featured In-law wing; One mile to Chesapeake Boat Basin Hidden Gem in Kilmarnock! Privacy, charm, and Chesapeake Bay living come together on this rare 2.45-acre property. It’s two homes for the price of one! The architect-designed spacious main home w/ 2BR, 2Ba, Kit, LR, Sunroom & 2-car garage includes a 2BR, 1-1/2Ba, Kit and LR attached mother-in-law wing with separate entrances and parking, This is perfect for independent living by a large or extended family, rental income or live-in help. Large windows throughout capture peaceful wooded views and fill the home with natural light. The large rooms, brick patio, gazebo, and expansive yard are made for relaxing and entertaining. Out-buildings provide gardening, workshop space and boat or RV storage. Major recent improvements include roofing, leaf-free gutters, HVAC systems, electrical upgrades, insulation, hardwood flooring, and more. Restaurants, shopping, repair and medical services, (including a hospital), are within 3 miles. Enjoy boating by quick access via Indian Creek to the Chesapeake Bay. Rare privacy, character, and convenience all in one value-full, exceptional property. Don’t miss this wonderful opportunity!

Getting Around

27
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

3/10
3/10
Lancaster High SchoolGrades 8-126.3 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1968

Materials

  • Roof: Composition
  • Construction materials: Brick,Drywall,Plaster,Vinyl Siding,Wood Siding

Type & Style

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

Interior

Additional Room

  • Level: Main

Appliances

  • Appliances included: Built-In Oven,Dryer,Dishwasher,Electric Water Heater,Disposal,Microwave,Refrigerator,Washer
  • Laundry features: Washer Hookup,Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedroom4

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main

Features

  • Bookcases,Built-in Features,Bedroom on Main Level,Ceiling Fan(s),Dining Area,Separate/Formal Dining Room,Eat-in Kitchen,Fireplace,High Speed Internet,Main Level Primary,Wired for Data
  • Window features: Storm Window(s)
  • Flooring: Carpet,Tile,Wood
  • Number of fireplaces: 2
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 4,000

Foyer

  • Level: Main

Heating & Cooling

  • Heating features: Baseboard,Electric,Forced Air,Heat Pump,Oil
  • Cooling features: Electric,Heat Pump,Wall Unit(s)

Interior Area

  • Total interior livable area: 4,000 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: NA
  • Other equipment: Intercom

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Exterior features: Storage,Shed,Unpaved Driveway
  • Fencing: None
  • Waterfront features: Pond

Lot

  • Lot size: 2.45 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached,Driveway,Garage,Unpaved
  • 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

  • Hurricane
    HurricaneVery High
  • Drought
    DroughtRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hurricane
Drought
Strong Wind
Coastal Flooding
Cold Wave
Heat Wave
Ice Storm
Lightning
Tornado
Winter Weather

FEMA Declared Disasters Across Virginia Counties

Severe 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 $3,534$42,408
Home Insurance *$359$4,308
Property Taxes $317$3,804
Electricity $385$4,623
Total$4,595$55,140
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$157,542/yr
40% on housing$137,850/yr
45% on housing$122,533/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: 5.4%
5.4%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$175This listing

vs Other Active Listings

Avg $/sqft

ZIP 22482$233
Lancaster County$278

vs Homes Sold Last Month

Median $/sqft

ZIP 22482
Lancaster County$245

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
2026-05-29Listed for sale$699,000
2026-05-06Listing removed$799,000
2026-01-19Price change$799,000
2025-11-18Listed for sale$749,000
2005-02-07Sold$500,000

For Sale by Agent

AgentSandra H. Hargett
BrokerageLiz Moore & Associates

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