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230 12th St, Colonial Beach, VA, 22443

3beds
3baths
1,976sqft
$374,999
$190price/sqft
$2,362/moest. monthly cost
$94,480/yrincome needed

About This Home

Welcome to this charming 3-bedroom, 2.5-bath home where coastal living meets everyday convenience. Offering approximately 1,976 sq ft, this home stands out with a exceptionally spacious layout. Just steps from the water, enjoy peaceful surroundings, beautiful sunsets, and a relaxed coastal atmosphere. The home offers a bright, functional layout ideal for both everyday living and entertaining. Conveniently located near local shops, restaurants, and Colonial Beach’s popular dining, this property offers easy access to everything you need while still feeling like a private retreat. Whether you're looking for a full-time residence, weekend getaway, or investment opportunity, this home offers flexibility and value. Structural warranty in place (buyer to verify remaining term, estimated through 2031). Make this house your home and experience the perfect balance of comfort, space, and coastal charm!

Getting Around

23
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

4/10

Construction

Condition

  • Year built: 2021

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Bedrooms & Bathrooms

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

Features

  • Finished area above ground: 1,976

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,976
  • Total interior livable area: 1,976 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 3A3122C42A
  • Zoning: R1
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 4,791 sqft

Parking

  • Parking features: Driveway
  • 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

  • Hurricane
    HurricaneRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Lightning
Strong Wind
Winter Weather
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 $1,896$22,752
Home Insurance *$141$1,692
Property Taxes $123$1,476
Electricity $202$2,433
Total$2,362$28,344
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$80,982/yr
40% on housing$70,860/yr
45% on housing$62,986/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: 6.4%
6.4%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 4.9%
4.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$190This listing

vs Other Active Listings

Avg $/sqft

ZIP 22443$179
Westmoreland County$185

vs Homes Sold Last Month

Median $/sqft

ZIP 22443
Westmoreland County$236

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
2026-05-07Listed for sale$425,000
2024-01-12Sold$355,000
2023-12-23Contingent$344,440
2023-12-17Price change$344,440
2023-11-24Price change$350,000
2023-11-20Price change$375,000
2023-11-15Listed for sale$388,000

For Sale by Agent

AgentDevin Moore
BrokerageInnovation Properties, LLC

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