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1028 Timberneck Rd, Deltaville, VA, 23043

4beds
4baths
3,369sqft
$570,000
$169price/sqft
$3,854/moest. monthly cost
$154,160/yrincome needed

About This Home

Beautifully updated and move-in ready, this charming home in the heart of Deltaville offers the perfect blend of coastal character and modern upgrades. From the moment you step inside, you’ll appreciate the bright, open feel, fresh finishes, and thoughtful improvements throughout. Main House square footage 2,573 and guest house 796. The home features spacious living areas with new flooring (2023) flowing through most of the house, complemented by abundant natural light and a neutral color palette. The inviting living room with gas fireplace creates a warm focal point, while the updated kitchen and adjoining spaces provide a comfortable layout for everyday living and entertaining. The primary suite offers a relaxing retreat with its own fireplace, generous closet space, and private bath. Additional bedrooms are well-sized and versatile—ideal for guests, office space, or hobbies. A beautifully renovated guest bathroom (2023) adds modern style and functionality. Major system upgrades provide peace of mind, including a new HVAC system (2023), crawl space encapsulation with dehumidifier (2023), and newer roof (approx. 2018). Exterior improvements include fresh paint (2023), new sidewalks (2023), and a screened porch addition (2018, re-screened 2022)—perfect for enjoying the coastal breeze. The property also includes a guest house resulting from a recently started garage conversion (2024) with new HVAC, updated plumbing and electrical, and upcoming finishes including cabinetry and countertops—offering excellent potential for additional living space or guest quarters. Additional highlights include: • Well and septic system replaced in 2016 (recently serviced) • Tankless water heater • Gas logs installed (2024) Located just minutes from marinas, restaurants, and all that Deltaville has to offer, this home is ideal as a full-time residence, weekend getaway, or investment opportunity. Don’t miss this turnkey property with extensive upgrades and coastal charm—schedule your showing today!

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

4/10
Middlesex Elementary SchoolGrades PK-510.4 mi
5/10
5/10
Middlesex High SchoolGrades 9-1215.9 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1968

Materials

  • Roof: Composition
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Microwave,Refrigerator,Stove,Washer
  • Laundry features: Washer Hookup,Dryer Hookup

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Bedroom on Main Level,Dining Area,Granite Counters,Cable TV,Window Treatments
  • Window features: Window Treatments
  • Flooring: Vinyl
  • Number of fireplaces: 2
  • Fireplace: Yes
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 3,369

Half Bath

  • Level: First

Heating & Cooling

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

Interior Area

  • Total interior livable area: 3,369 sqft

Other

  • Level: First

Property

Details

  • Parcel number: 475722 & 23

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Rear Porch,Patio,Screened,Porch
  • Exterior features: Porch
  • Fencing: None

Lot

  • Lot size: 1.30 Acres
  • Features: Corner Lot

Parking

  • Parking features: No Garage

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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Strong Wind
Cold Wave
Drought
Ice Storm
Lightning
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 $2,882$34,584
Home Insurance *$355$4,260
Property Taxes $293$3,516
Electricity $324$3,894
Total$3,854$46,248
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$132,137/yr
40% on housing$115,620/yr
45% on housing$102,773/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

$169This listing

vs Other Active Listings

Avg $/sqft

ZIP 23043$281
Middlesex County$217

vs Homes Sold Last Month

Median $/sqft

ZIP 23043
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
2026-07-10Price change$570,000
2026-05-02Listed for sale$579,000
2026-04-22Listing removed$599,950
2026-01-08Price change$599,950
2025-10-10Listed for sale$659,950
2025-08-08Listing removed$699,999
2025-05-27Price change$699,999
2025-04-18Listed for sale$715,000
2022-04-25Listing removed--
2022-04-20Listed for sale$499,999
2021-10-25Listing removed--
2021-10-04Listed for sale$399,900
2021-03-20Listing removed--
2021-03-06Listed for sale$379,900
2002-02-03Sold$174,999

For Sale by Agent

AgentDavid Dew
BrokerageIsabell K. Horsley R. E., Ltd.

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