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109 Kings Mill Dr, Fredericksburg, VA, 22401

2beds
2baths
2,178sqft
$295,000
$135price/sqft
$1,980/moest. monthly cost
$79,200/yrincome needed

About This Home

Welcome to 109 Kings Mill Drive, a beautifully maintained brick-front townhome offering exceptional value in the City of Fredericksburg. Featuring approximately 1,200 square feet of living space, this 2-bedroom, 1.5-bath home is an outstanding opportunity for first-time buyers, downsizers, or anyone looking for affordable homeownership in the highly desirable 22401 ZIP code. The main level offers a spacious living room, separate dining room, kitchen, and convenient half bath, creating a comfortable layout for everyday living and entertaining. Upstairs, you’ll find two generously sized bedrooms and a full bath. Lovingly cared for by the same owner for more than 30 years, pride of ownership is evident throughout. Thoughtful updates include a charming shiplap accent wall in the entry, beautifully updated bathrooms with upgraded vanities, generous closet space, and abundant storage throughout the home. Major improvements provide added peace of mind, including a gas furnace (2022), gas water heater (2023), roof (2011), and a new stove and dishwasher (July 2026). The washer, dryer, electric fireplace, and Rubbermaid storage shed all convey, making this home truly move-in ready. Step outside to enjoy the fully fenced backyard—perfect for relaxing, gardening, or entertaining. Conveniently located just minutes from Historic Downtown Fredericksburg, Central Park, shopping, dining, public transportation, the VRE, Route 1, and I-95, this home combines comfort, convenience, and affordability. If you’ve been waiting for a well-maintained home in the City of Fredericksburg at an exceptional value, your search ends here!

Getting Around

28
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

3/10
2/10
James Monroe High SchoolGrades 9-121.8 mi

Construction

Condition

  • Property condition: Excellent
  • Year built: 1983

Materials

  • Foundation: Slab
  • Construction materials: Aluminum Siding,Vinyl Siding

Type & Style

  • Home type: Townhouse
  • Architectural style: Colonial
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Washer,Dryer,Dishwasher,Cooktop,Exhaust Fan,Refrigerator,Ice Maker,Gas Water Heater
  • Laundry features: Has Laundry

Bedroom2

  • Features: Flooring - Carpet,Ceiling Fan(s)
  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring - Carpet,Lighting - Pendants
  • Level: Main

Family Room

  • Features: Flooring - Carpet
  • Level: Main

Features

  • Ceiling Fan(s),Bathroom - Tub Shower,Combination Dining/Living,Dining Area,Pantry
  • Flooring: Carpet
  • Finished area below ground: 0
  • Finished area above ground: 2,178

Half Bath

  • Level: Main

Heating & Cooling

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

Interior Area

  • Total structure area: 2,178
  • Total interior livable area: 2,178 sqft

Kitchen

  • Features: Kitchen - Electric Cooking,Ceiling Fan(s),Pantry
  • Level: Main

Other

  • Features: Bathroom - Tub Shower
  • Level: Upper

Primary Bedroom

  • Features: Flooring - Carpet,Ceiling Fan(s)
  • Level: Upper

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 7778391176
  • Zoning: R16
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Patio
  • Fencing: Back Yard

Lot

  • Lot size: 21 sqft

Parking

  • Parking features: Parking Lot

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
    LightningVery High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Hail
Heat Wave
Inland Flooding
Tornado
Winter Weather

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 $1,491$17,892
Home Insurance *$84$1,008
Property Taxes $196$2,352
Electricity $209$2,517
Total$1,980$23,760
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,885/yr
40% on housing$59,400/yr
45% on housing$52,800/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: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -1.2%
-1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$135This listing

vs Other Active Listings

Avg $/sqft

ZIP 22401$225
Fredericksburg City$225

vs Homes Sold Last Month

Median $/sqft

ZIP 22401$268
Fredericksburg City$213

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
2026-08-04Contingent$295,000
2026-07-29Listed for sale$295,000
1999-06-22Sold$70,000

For Sale by Agent

AgentShelley Johnson
BrokeragePorch & Stable Realty, LLC

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