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118 Stoney Crk W, Nellysford, VA, 22958

4beds
4baths
2,984sqft
$799,000
$268price/sqft
$4,929/moest. monthly cost
$197,160/yrincome needed

About This Home

This southern colonial style home, complete with Jeffersonian Palladian windows and columns, has two covered porches—perfect for entertaining and relaxing. Sip 'n' Ski has been a short term rental property and is sold turn-key furnished with a hot tub, or seller can remove furniture if buyer's preference. The main level is easily accessible from the rear of the house for one-level living. Upstairs, there are two bedrooms along with a lovely light-filled study. The finished basement functions as a kids rec room and bedroom, or can be a guest apartment, gym, or home theater. The oversized garage has a pool table, ping pong table, and shuffleboard; a mini split was installed to both heat and cool the garage. For those wanting to some elevation with seasonal mountain views, but still want to be in a walkable/bikable area—this location is perfect with Stoney Creek Park and the stream about a 1/5 mile away, and the rest of the street to the east is generally flat. Already outfitted to be a fantastic second home, make the move easy and jump right in, or make the property your own with this very functional layout as a primary home. $2K credit to buyer for primary bedroom flooring of choice.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

7/10
Nelson Middle SchoolGrades 6-811.9 mi
4/10
Nelson County High SchoolGrades 9-1211.9 mi

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Poured
  • Roof: Architectural
  • Construction materials: Fiber Cement,Stick Built

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Built-In Oven,Dishwasher,Electric Cooktop,Disposal,Microwave,Refrigerator,Dryer,Washer

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Finished,Heated,Interior Entry,Walk-Out Access

Bathroom

  • Level: Second

Bathroom

  • Level: Basement

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Dining Room

  • Level: First

Features

  • Double Vanity,Hot Tub/Spa,Primary Downstairs,Walk-In Closet(s),Breakfast Bar,Home Office,Kitchen Island
  • Flooring: Carpet,Ceramic Tile,Luxury Vinyl Plank,Wood
  • Number of fireplaces: 2
  • Fireplace features: Two,Gas Log
  • Fireplace: Yes
  • Finished area below ground: 710
  • Finished area above ground: 2,274

Half Bath

  • Level: First

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,784
  • Total interior livable area: 2,984 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Master Bathroom

  • Level: First

Master Bedroom

  • Level: First

Office

  • Level: Second

Recreation

  • Level: Basement

Property

Details

  • Parcel number: 11JHE54
  • Zoning description: RPC Residential Planned Community

Features

  • Levels: Three Or More
  • Stories: 3
  • Pool features: Association
  • Patio & porch: Rear Porch,Front Porch,Porch,Wood
  • Exterior features: Dog Run
  • Has spa: Yes
  • Spa features: Hot Tub

Lot

  • Lot size: 1.01 Acres
  • Features: Wooded

Parking

  • Total spaces: 2
  • Parking features: Attached,Basement,Electricity,Garage,Garage Door Opener,Heated Garage,Oversized,Garage Faces Side
  • 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

  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hurricane
    HurricaneModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Strong Wind
Hurricane
Winter Weather

FEMA Declared Disasters Across Virginia Counties

Severe Storm
Tropical 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 $4,040$48,480
Home Insurance *$178$2,136
Property Taxes $424$5,088
Electricity $287$3,449
Total$4,929$59,148
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$168,994/yr
40% on housing$147,870/yr
45% on housing$131,440/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: 7.9%
7.9%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 3.7%
3.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$268This listing

vs Other Active Listings

Avg $/sqft

ZIP 22958$261
Nelson County$211

vs Homes Sold Last Month

Median $/sqft

ZIP 22958$279
Nelson County$247

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
2026-07-28Listed for sale$799,000
2021-09-27Sold$535,000
2021-08-23Pending sale$569,000
2021-08-05Listed for sale$569,000
2021-07-30Pending sale$569,000
2021-07-02Listed for sale$569,000
2020-06-26Listing removed$449,000
2020-06-24Listing removed$1,900
2020-06-04Listed for rent$1,900
2019-11-15Price change$449,000
2019-09-12Price change$459,000
2019-06-16Price change$475,000
2019-05-19Price change$499,900
2019-03-08Listed for sale$519,000
2007-06-07Sold$490,000

For Sale by Agent

AgentKATE FARLEY
BrokeragePEAK REALTY VIRGINIA, LLC

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