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968 Wilton Creek Rd, Hartfield, VA, 23071

4beds
4baths
2,938sqft
$1,420,000
$483price/sqft
$9,020/moest. monthly cost
$360,800/yrincome needed

About This Home

Wilton Creek – 3.40 acre private waterfront point with over 700’ of shoreline..2,900 SF recently renovated home has wide water views from first-floor primary suite with ensuite bath and washer /dryer..All-new kitchen & island bar with the latest appliances, brick backsplash wall, double ovens & gas range.. Second level includes 3 bedrooms, 2 baths, another laundry room and office.. Living room with brick fireplace & gas logs.. Recent oak hardwood flooring throughout.. ……… Sunporch overlooks fenced in salt -water pool & pool house has mini split heat pump, wet bar, fridge and cable-ready!.. Great for outdoor entertaining with firepit and easy walk to dock and boatlift for a day out on the water! Good water depth at the dock approx. 4 to 4 1/2 ft. MLW. also, two-car detached garage & upstairs area with potential ..at present, utilized as an exercise room…

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

5/10
7/10
9/10
Middlesex High SchoolGrades 9-1211.5 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1989

Materials

  • Roof: Asphalt,Composition,Shingle
  • Construction materials: Drywall,Frame,HardiPlank Type,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Oven,Cooktop,Dryer,Dishwasher,Exhaust Fan,Electric Water Heater,Gas Cooking,Microwave,Range,Refrigerator,Range Hood,Washer
  • Laundry features: Washer Hookup,Dryer Hookup

Basement

  • Basement: Crawl Space

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

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

Features

  • Bookcases,Built-in Features,Bedroom on Main Level,Dining Area,Granite Counters,Multiple Primary Suites,Pantry,Recessed Lighting,Skylights,Cable TV,Walk-In Closet(s),Window Treatments,Smart Thermostat
  • Door features: Insulated Doors
  • Window features: Skylight(s),Window Treatments
  • Flooring: Tile,Wood
  • Fireplace features: Gas,Masonry
  • Fireplace: Yes
  • Attic: Access Only
  • Finished area below ground: 0
  • Finished area above ground: 2,938

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,938 sqft

Kitchen

  • Level: Second

Laundry

  • Level: First

Master Bedroom

  • Level: First

Master Bedroom

  • Level: First

Office

  • Level: First

Sitting Room

  • Level: First

Property

Details

  • Parcel number: 44 3 32
  • Zoning description: RESIDENTIAL

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Fenced,Heated,Pool Cover,Pool,Pool Sweep
  • Patio & porch: Rear Porch,Front Porch,Deck,Porch
  • Exterior features: Boat Lift,Deck,Dock,Sprinkler/Irrigation,Out Building(s),Porch,Storage,Shed,Unpaved Driveway
  • Fencing: None
  • On waterfront: Yes
  • Waterfront features: Creek,Water Access,Walk to Water,Bulkhead,Boat Ramp/Lift Access
  • Waterbody name: WILTON CREEK

Lot

  • Lot size: 3.44 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway,Detached,Garage,Shared Driveway,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

  • 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 $7,180$86,160
Home Insurance *$816$9,792
Property Taxes $742$8,904
Electricity $282$3,395
Total$9,020$108,240
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$309,257/yr
40% on housing$270,600/yr
45% on housing$240,533/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: 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

$483This listing

vs Other Active Listings

Avg $/sqft

ZIP 23071$196
Middlesex County$203

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
2026-04-10Listed for sale$1,495,000
2024-03-12Sold$1,035,000
2024-02-04Contingent$985,000
2024-02-04Pending sale$985,000
2024-01-30Listed for sale$985,000
2020-09-17Sold$695,000
2020-08-12Pending sale$719,000
2020-07-15Price change$719,000
2020-03-03Price change$785,000
2019-07-04Listed for sale$795,000
2007-07-23Sold$940,000

For Sale by Agent

AgentIrvin Shackelford
BrokerageMason Realty, Inc.

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