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102 Frenchs Store Rd, Cumberland, VA, 23040

3beds
2baths
1,386sqft
$235,000
$170price/sqft
$1,586/moest. monthly cost
$63,440/yrincome needed

About This Home

Welcome to peaceful country living in Cumberland County! This home offers an open floor plan with vinyl plank flooring, new carpet, and abundant natural light throughout. The spacious living area features built-in cabinetry, while the kitchen provides a flat-top stove for cooking, cabinet and countertop space. The laundry room is located right off the kitchen. The split-bedroom layout offers privacy, and the primary suite includes a double vanity and walk-in shower. Step outside to enjoy the large rear deck overlooking a private, wooded setting—perfect for entertaining or relaxing with your morning coffee. Conveniently located with easy access to Farmville, Powhatan, and Richmond, this property is ideal for anyone seeking a quiet country retreat. Don't miss this opportunity to enjoy affordable living with space, privacy, and charm! The roof was replaced in 2019. Home and shed are being sold as-is and where-is, with no known defects. Inspections for informational purposes only.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

3/10
Cumberland Middle SchoolGrades 5-87.4 mi
7/10
Cumberland High SchoolGrades 9-127.5 mi
5/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1996

Materials

  • Construction materials: Block,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Modular/Prefab,Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Exhaust Fan,Electric Cooking,Refrigerator,Smooth Cooktop,Stove

Basement

  • Basement: Crawl Space

Bedroom2

  • Level: First
  • Dimensions: 9.7 x 13.0

Bedroom3

  • Level: First
  • Dimensions: 10.8 x 12.10

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Family Room

  • Level: First
  • Dimensions: 19.11 x 16.6

Features

  • Bedroom on Main Level,Ceiling Fan(s)
  • Flooring: Carpet,Linoleum
  • Attic: Access Only
  • Finished area below ground: 0
  • Finished area above ground: 1,386

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,386 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Master Bedroom

  • Level: First
  • Dimensions: 15.4 x 13.0

Other

  • Level: First

Property

Details

  • Parcel number: 052A14A
  • Zoning description: A2

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Front Porch,Deck,Porch
  • Exterior features: Deck,Porch

Lot

  • Lot size: 2.40 Acres

Parking

  • Parking features: Oversized

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
    DroughtRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Earthquake
    EarthquakeModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Drought
Strong Wind
Earthquake
Hurricane
Inland Flooding
Lightning
Winter Weather

FEMA Declared Disasters Across Virginia Counties

Flood
Severe Storm
Tornado
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 $1,188$14,256
Home Insurance *$84$1,008
Property Taxes $112$1,344
Electricity $202$2,433
Total$1,586$19,032
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,377/yr
40% on housing$47,580/yr
45% on housing$42,293/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -5.6%
-5.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$170This listing

vs Other Active Listings

Avg $/sqft

ZIP 23040$216
Cumberland County$178

vs Homes Sold Last Month

Median $/sqft

ZIP 23040
Cumberland County$204

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
2026-07-09Listed for sale$235,000

For Sale by Agent

AgentMaryAnne Beaty
BrokerageNextHome Advantage

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