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453 Lost Valley Rd, Madison, VA, 22727

3beds
2baths
1,486sqft
$325,000
$219price/sqft
$2,153/moest. monthly cost
$86,120/yrincome needed

About This Home

Mountain views, fresh air, and space to make it your own! Perched on a mountaintop in a private community with very few neighbors, this 3-bedroom, 2-bath home offers the kind of peace and scenery that is hard to find. Surrounded by trees and natural beauty, the setting invites hiking, wildlife watching, and quiet mornings with coffee on the deck. Inside, the home features soaring ceilings, warm wood accents, and large windows that bring the outdoors in. The open living area flows easily into the kitchen and dining space, creating a comfortable layout for everyday living or weekend gatherings. A lofted upper level adds extra character and flexible space. There’s a large deck overlooking the woods, an ideal spot for grilling or simply soaking in the mountain air. There is plenty of room for family and visitors alike. The property has also been operated as an Airbnb, which has excellent potential as a short-term rental, weekend getaway, or income-producing investment. The property does need some updates, making it a great opportunity for buyers who want to add their own style and build equity in a truly special location. If you’ve been looking for a getaway, full-time home, or investment surrounded by the great outdoors, this mountain retreat is ready for its next chapter. Some images may reflect virtual staging or digital editing, including removal of personal property, to help showcase the home.

Getting Around

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

Schools

--
Madison Primary SchoolGrades PK-27.4 mi
4/10

Construction

Condition

  • Year built: 1994

Materials

  • Foundation: Block,Crawl Space
  • Construction materials: Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Oven/Range - Electric,Refrigerator,Washer/Dryer Stacked,Electric Water Heater

Bedrooms & Bathrooms

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

Features

  • Finished area above ground: 1,486

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Ceiling Fan(s),Central Air,Electric

Interior Area

  • Total structure area: 1,486
  • Total interior livable area: 1,486 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 36A 1 2
  • Zoning: C
  • Special condition: Standard
  • Exclusions: Propane Gas Logs

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 0.87 Acres
  • Features: Mountainous,Private,Wooded

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Drought
Hurricane
Lightning
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 $1,643$19,716
Home Insurance *$104$1,248
Property Taxes $204$2,448
Electricity $202$2,433
Total$2,153$25,836
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,817/yr
40% on housing$64,590/yr
45% on housing$57,413/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: 4.6%
4.6%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -2.9%
-2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$219This listing

vs Other Active Listings

Avg $/sqft

ZIP 22727$543
Madison County$389

vs Homes Sold Last Month

Median $/sqft

ZIP 22727$264
Madison County$261

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
2026-03-24Price change$375,000
2026-03-23Price change$399,981
2026-03-22Price change$399,982
2026-03-21Price change$399,983
2026-03-19Price change$399,985
2026-03-17Price change$399,987
2026-03-16Price change$399,988
2026-03-14Price change$399,989
2026-03-13Price change$399,991
2026-03-12Price change$399,992
2026-03-10Price change$399,994
2026-03-08Price change$399,995
2026-03-06Price change$399,997
2026-03-05Price change$399,998
2026-03-04Price change$399,999
2026-02-17Listed for sale$400,000
2025-10-26Listing removed$2,200
2025-10-22Listed for rent$2,200
2025-10-22Listing removed$2,200
2025-09-28Listed for rent$2,200
2025-08-19Listing removed$369,999
2025-07-14Price change$369,999
2025-07-07Price change$374,999
2025-06-30Price change$379,999
2025-06-25Listed for sale$384,999

For Sale by Agent

AgentChris Craddock
BrokerageEXP Realty, LLC

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