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1351 Ellis Rd, Hardy, VA, 24101

2beds
2baths
1,508sqft
$675,000
$448price/sqft
$4,014/moest. monthly cost
$160,560/yrincome needed

About This Home

A peaceful retreat awaits. Comfort, space, and natural beauty come together. Nestled on a generous parcel of land, this property offers the perfect blend of Amazing Lake Views and convenience, ideal for those seeking a quiet lifestyle without sacrificing accessibility. Just minutes to Westlake for your shopping needs, and Dining options.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

7/10
Dudley Elementary SchoolGrades PK-57.3 mi
5/10
Ben. Franklin Middle-WestGrades 6-814.6 mi
4/10
Franklin County High SchoolGrades 9-1215.1 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 1968

Materials

  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Refrigerator

Basement

  • Has basement: Yes

Bedroom1

  • Level: E

Bedroom2

  • Level: E

Bedroom3

  • Level: L

Bedrooms & Bathrooms

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

Eat In Kitchen

  • Level: L

Family Room

  • Level: L

Features

  • Flooring: Carpet,Ceramic Tile,Vinyl
  • Number of fireplaces: 2
  • Fireplace features: Family Room,Living Room
  • Fireplace: Yes
  • Finished area above ground: 754

Heating & Cooling

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

Interior Area

  • Total structure area: 1,508
  • Total interior livable area: 1,508 sqft

Laundry

  • Level: L

Living Room

  • Level: E

Property

Details

  • Parcel number: 013 01009 00
  • Zoning: R1

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Patio
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Waterfront,Main Channel
  • Waterbody name: Smith Mtn Lake

Lot

  • Lot size: 0.88 Acres
  • Features: Sloped Down

Parking

  • Total spaces: 2
  • Parking features: Detached,Paved
  • Has garage: Yes
  • Covered spaces: 2

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

  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
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 $3,413$40,956
Home Insurance *$162$1,944
Property Taxes $237$2,844
Electricity $202$2,433
Total$4,014$48,168
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$137,622/yr
40% on housing$120,420/yr
45% on housing$107,040/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: -2.3%
-2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$448This listing

vs Other Active Listings

Avg $/sqft

ZIP 24101$200
Franklin County$240

vs Homes Sold Last Month

Median $/sqft

ZIP 24101$165
Franklin County$174

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
2026-04-09Listed for sale$675,000
2024-05-16Listing removed--
2024-05-07Listed for rent$3,495
2024-01-09Sold$535,000
2023-12-14Pending sale$550,000
2023-12-09Listed for sale$550,000
2020-08-07Sold$405,000
2020-06-24Pending sale$419,900
2020-04-01Listed for sale$419,900
2020-01-01Listing removed$399,900
2019-03-13Listed for sale$399,900
2018-12-13Listing removed$399,900
2018-05-04Listed for sale$399,900
2016-07-29Listing removed$424,000
2016-06-08Price change$424,000
2016-03-10Price change$449,000
2015-07-29Listed for sale$474,500

For Sale by Agent

AgentDELENE HOLLOWAY MORGAN
BrokerageLAKE HOMES REALTY, LLC

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