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10778 Rockfish River Rd, Shipman, VA, 22971

3beds
2baths
2,482sqft
$379,900
$153price/sqft
$2,464/moest. monthly cost
$98,560/yrincome needed

About This Home

Welcome to An Mere A stately home in Nelson County being offered to the public for the 1st time since it's original construction in 1905. Nestled on 2.2 picturesque acres near the Rockfish River. A rare gem featuring a Federal style 2 story with 3 bedrooms 2 baths and a Sleeping porch. Home features hardwood flooring , dual zone heating /AC , Stainless steal appliances 1 year old. Large center hallway. Lovely home for your family

Getting Around

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

Schools

7/10
8/10
Nelson Middle SchoolGrades 6-89.2 mi
4/10
Nelson County High SchoolGrades 9-129.2 mi

Construction

Condition

  • Year built: 1905

Materials

  • Roof: Metal,Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Double Oven,Microwave,Electric Range,Refrigerator,Self Cleaning Oven,Water Purifier,Electric Water Heater
  • Laundry features: Dryer Hookup,Laundry Room,Main Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Exterior Entry,Partial,Sump Pump

Bedroom2

  • Level: Second
  • Area: 225

Bedroom3

  • Level: Second
  • Area: 196

Bedroom4

  • Area: 0

Bedroom5

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First
  • Area: 196

Family Room

  • Area: 0

Features

  • Drywall,High Speed Internet,Main Level Den,Primary Bed w/Bath,Paneling,Pantry,Rods
  • Window features: Insulated Windows
  • Flooring: Carpet,Hardwood,Laminate,Pine,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: 1 Fireplace,Gas Log,Glass Doors,Living Room
  • Fireplace: Yes
  • Attic: Access
  • Finished area below ground: 0
  • Finished area above ground: 2,482

Great Room

  • Area: 0

Heating & Cooling

  • Heating features: Forced Warm Air-Gas,Heat Pump,Propane,Two-Zone
  • Cooling features: Heat Pump,Two-Zone

Interior Area

  • Total structure area: 2,482
  • Total interior livable area: 2,482 sqft

Kitchen

  • Level: First
  • Area: 204

Living Room

  • Level: First
  • Area: 315

Master Bedroom

  • Level: Second
  • Area: 225

Office

  • Area: 0

Property

Details

  • Parcel number: 47A47
  • Zoning: A1
  • Other equipment: Satellite Dish

Features

  • Levels: Two
  • Patio & porch: Front Porch,Side Porch
  • Exterior features: Garden
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water

Lot

  • Lot size: 2.20 Acres
  • Features: Landscaped

Parking

  • Parking features: Circular Driveway,Paved Drive
  • 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

  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Drought
Inland Flooding
Lightning
Strong Wind
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 $1,920$23,040
Home Insurance *$104$1,248
Property Taxes $201$2,412
Electricity $239$2,868
Total$2,464$29,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$84,480/yr
40% on housing$73,920/yr
45% on housing$65,706/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

$153This listing

vs Other Active Listings

Avg $/sqft

ZIP 22971$206
Nelson County$214

vs Homes Sold Last Month

Median $/sqft

ZIP 22971$205
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)

No zestimate history available

Price History

DateEventPrice
2026-04-28Price change$379,900
2026-02-21Price change$419,000
2025-08-15Price change$448,900
2025-07-28Price change$495,000
2025-07-15Listed for sale$529,900

For Sale by Agent

AgentKevin Turner
BrokerageCentury 21 ALL-SERVICE-BED

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