196 Locust Grove Ln, Kilmarnock, VA, 22482
About This Home
Dividing Creek, sailboat depth water. Cape Cod on private cul-de-sac of 6 homes. No HOA. Mature landscaping; panoramic water views from Great room as well as the roofed deck and screened porch. Prime boating location; docking for 4 boats; dock lights and water; protected southern exposure on Lawrence Cove; minutes from the Bay; 200' rip rap. FIRST FLOOR: 9' ceilings; large foyer; LR; DR; Bedroom /remodeled bathroom; Great room with wall of glass doors; LP gas fireplace/remote; remodeled kitchen (2024) quartz countertops, LVT floor, stainless appliances, roll out pantry; laundry rm/storage. 2ND FLOOR: Primary bedroom /remodeled bath (2026); 2 bedrooms; hall bathroom; office or media room; huge walk-in attic with cedar closet THE HOUSE IS MOVE IN READY CONDITION FEATURES: Oak floors; tile bathroom and laundry room floors; 3 zone heating/cooling; hard wired generator with panel box; double pane windows; ceiling fans; detached 1 car garage or shop. Minutes to shopping and town.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1989
Materials
- Roof: Composition
- Construction materials: Brick,Drywall,Frame,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Two Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Water Heater
Basement
- Basement: Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Features
- Granite Counters,High Ceilings,High Speed Internet,Wired for Data
- Door features: Sliding Doors
- Flooring: Tile,Wood
- Number of fireplaces: 1
- Fireplace features: Gas
- Fireplace: Yes
- Attic: Walk-In
- Finished area below ground: 0
- Finished area above ground: 3,527
Heating & Cooling
- Heating features: Electric,Heat Pump,Zoned
- Cooling features: Electric,Heat Pump,Zoned
Interior Area
- Total interior livable area: 3,527 sqft
Property
Details
- Parcel number: 51010125X
Features
- Levels: Two
- Stories: 2
- Pool features: None
- Patio & porch: Screened,Deck
- Exterior features: Deck,Dock,Storage,Shed
- Fencing: None
- On waterfront: Yes
- Waterfront features: Creek,Dock Access,Mooring
- Waterbody name: Dividing Creek
- Frontage length: 225.0000,225.0000
Lot
- Lot size: 1.43 Acres
- Features: Landscaped
Parking
- Total spaces: 3
- Parking features: Attached,Circular Driveway,Detached,Garage,Garage Door Opener,Workshop in Garage
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- 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
- Strong Wind
- Coastal Flooding
- Hurricane
- Cold Wave
- Drought
- Inland Flooding
- Ice Storm
- Tornado
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across Virginia Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $5,309 | $63,708 |
| Home Insurance * | $704 | $8,448 |
| Property Taxes | $672 | $8,064 |
| Electricity | $339 | $4,076 |
| Total | $7,024 | $84,288 |
Income You'd Need if You Spent...
Virginia FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-23 | Price change | $1,050,000 |
| 2026-06-24 | Listed for sale | $1,100,000 |
| 2018-09-05 | Sold | $540,000 |
| 2018-07-25 | Pending sale | $599,000 |
| 2017-01-31 | Price change | $599,000 |
| 2016-05-27 | Listed for sale | $670,000 |
| 2015-11-16 | Listing removed | $680,000 |
| 2015-09-22 | Listed for sale | $680,000 |
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