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270 River Road Cir, Saluda, VA, 23149

4beds
3baths
1,950sqft
$579,500
$297price/sqft
$3,705/moest. monthly cost
$148,200/yrincome needed

About This Home

Piankatank River 4 bedroom, 3 bathroom cottage with great views, large living area with kitchen and eating area combined, screened porch and deck, storage shed, pier with boatlift, 1 acre, nice community, with private boat ramp nearby

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
5/10
5/10
Middlesex High SchoolGrades 9-124.7 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1982

Materials

  • Roof: Asphalt,Composition
  • Construction materials: Block,Drywall,Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Water Heater,Refrigerator,Washer

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Bedroom on Main Level
  • Flooring: Partially Carpeted,Vinyl,Wood
  • Number of fireplaces: 1
  • Fireplace features: Masonry,Vented
  • Fireplace: Yes
  • Attic: Access Only
  • Finished area below ground: 0
  • Finished area above ground: 1,950

Heating & Cooling

  • Heating features: Baseboard,Electric,Heat Pump,Propane,Wall Furnace
  • Cooling features: Heat Pump,Zoned

Interior Area

  • Total interior livable area: 1,950 sqft

Property

Details

  • Parcel number: 36A115
  • Zoning description: R

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Rear Porch,Screened,Deck,Porch
  • Exterior features: Boat Lift,Deck,Dock,Out Building(s),Porch,Storage,Shed
  • Fencing: None
  • On waterfront: Yes
  • Waterfront features: River Front,Boat Ramp/Lift Access,Waterfront
  • Waterbody name: Piankatank River
  • Frontage length: 100.0000,100.0000

Lot

  • Lot size: 1.04 Acres

Parking

  • Parking features: No Garage,Off Street

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
    HurricaneRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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

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 $2,930$35,160
Home Insurance *$275$3,300
Property Taxes $298$3,576
Electricity $202$2,433
Total$3,705$44,460
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$127,028/yr
40% on housing$111,150/yr
45% on housing$98,800/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: 7.7%
7.7%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$297This listing

vs Other Active Listings

Avg $/sqft

ZIP 23149$163
Middlesex County$212

vs Homes Sold Last Month

Median $/sqft

ZIP 23149
Middlesex County$220

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
2026-05-29Price change$579,500
2026-02-25Listed for sale$599,500

For Sale by Agent

AgentR.D. Johnson II
BrokerageMason Realty, Inc.

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