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956 Wilton Coves Dr, Hartfield, VA, 23071

3beds
3baths
3,258sqft
$519,900
$160price/sqft
$3,506/moest. monthly cost
$140,240/yrincome needed

About This Home

Charming home, located in waterfront community of The Coves at Wilton Creek. The home offers pond views from the deck & community access to the Piankatank River & Chesapeake Bay. Spacious 2-car garage, 3 BR, 3 BA home, offering 3,258 sq ft of space, including a large eat-in kitchen, formal dining room, den, great room, family room, & separate laundry room w/built-in cabinets. The great room has vaulted ceilings & a large stone gas fireplace. There is a large primary bedroom w/walk-in closet & ensuite bathroom w/double vanity, separate walk-in shower, jetted soaking tub & a vanity. Upstairs there is an enormous bonus room with vaulted ceilings, & full bathroom. Sit on the peaceful 345 sq ft deck, overlooking the pond. ** If you are interested in more acreage, the neighboring lot is available to purchase with the property! **

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

4/10
5/10
5/10
Middlesex High SchoolGrades 9-1211.4 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2005

Materials

  • Roof: Shingle
  • Construction materials: Drywall,Frame,HardiPlank Type

Type & Style

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

Interior

Appliances

  • Laundry features: Washer Hookup,Dryer Hookup

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Bookcases,Built-in Features,Bedroom on Main Level,Cathedral Ceiling(s),Dining Area,Eat-in Kitchen,Fireplace,High Ceilings,Main Level Primary,Walk-In Closet(s)
  • Fireplace features: Stone
  • Fireplace: Yes
  • Attic: Access Only
  • Finished area below ground: 0
  • Finished area above ground: 3,258

Heating & Cooling

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

Interior Area

  • Total interior livable area: 3,258 sqft

Property

Details

  • Parcel number: 43C122
  • Zoning description: R

Features

  • Pool features: None
  • Patio & porch: Rear Porch,Deck
  • Exterior features: Deck
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • Waterfront features: Pond,Water Access

Lot

  • Lot size: 0.50 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • 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

  • 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 $2,628$31,536
Home Insurance *$298$3,576
Property Taxes $267$3,204
Electricity $313$3,765
Total$3,506$42,072
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$120,205/yr
40% on housing$105,180/yr
45% on housing$93,493/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: 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

$160This listing

vs Other Active Listings

Avg $/sqft

ZIP 23071$276
Middlesex County$217

vs Homes Sold Last Month

Median $/sqft

ZIP 23071
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
2026-08-13Price change$499,900
2026-07-08Price change$519,900
2026-05-16Listed for sale$539,900
2023-05-26Sold$475,000
2023-04-13Pending sale$474,900
2023-04-11Listed for sale$474,900
2006-04-04Sold$420,000

For Sale by Agent

AgentHunter Law
BrokerageIsaBell K. Horsley Real Estate

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