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8214 Charity Hwy, Ferrum, VA, 24088

3beds
1baths
1,800sqft
$209,900
$117price/sqft
$1,480/moest. monthly cost
$59,200/yrincome needed

About This Home

Once in a lifetime opportunity to own your own piece of rustic Americana on 14.8 acres! Just off the historic Crooked Road and near the Blue Ridge Parkway with frontage on Poplar Creek. Charming Country Store on the front of the property could be an ideal shop, or use as an Artist Studio or workshop. There are various outbuildings and trails on the 14 acres, and the rustic home offers a covered front porch and country charm.

Getting Around

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

Schools

10/10
7/10
Patrick County High SchoolGrades 8-1216.0 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 1910

Materials

  • Construction materials: Aluminum,Vinyl

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Wood
  • Finished area above ground: 1,800

Heating & Cooling

  • Heating features: Baseboard Gas
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,800
  • Total interior livable area: 1,800 sqft

Property

Details

  • Parcel number: 501924

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Front Porch
  • Exterior features: Garden Space
  • Has view: Yes
  • Waterfront features: Stream

Lot

  • Lot size: 14.86 Acres
  • Features: Stream,Wooded

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

  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
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 $1,061$12,732
Home Insurance *$88$1,056
Property Taxes $129$1,548
Electricity $202$2,433
Total$1,480$17,760
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$50,742/yr
40% on housing$44,400/yr
45% on housing$39,466/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: 9.1%
9.1%
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

$117This listing

vs Other Active Listings

Avg $/sqft

ZIP 24088$169
Patrick County$152

vs Homes Sold Last Month

Median $/sqft

ZIP 24088$100
Patrick County$144

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
2026-06-11Price change$209,900
2026-05-22Price change$219,900
2026-05-18Listed for sale$229,900
2026-04-15Pending sale$229,900
2026-03-10Listed for sale$229,900

For Sale by Agent

AgentDOUG A TREXELL
BrokerageREALTY ONE GROUP LEADING EDGE

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