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131 Seneca Ridge Dr, Sterling, VA, 20164

3beds
4baths
1,746sqft
$749,900
$429price/sqft
$4,645/moest. monthly cost
$185,800/yrincome needed

About This Home

Welcome to this beautifully maintained and thoughtfully updated home in the desirable Seneca Ridge community of Sterling. Freshly painted throughout, this move-in ready property features refinished hardwood floors, updated light fixtures, and a bright, inviting interior. The kitchen is equipped with stainless steel appliances, including a microwave and garbage disposal that are both less than one year old. Enjoy outdoor living on the freshly re-stained deck overlooking a landscaped backyard complete with a storage shed that conveys with the property. The sealed driveway adds to the home's curb appeal and pride of ownership is evident throughout. The upper level offers three spacious bedrooms with the potential to convert the layout into a fourth bedroom if desired. The finished lower level provides exceptional flexibility, featuring a full bathroom and additional space that can serve as a guest bedroom, home office, recreation room, fitness area, or whatever best suits your lifestyle. Major system updates provide peace of mind, including a roof replaced in 2017, HVAC system installed in 2014. Conveniently located near shopping, dining, parks, schools, commuter routes, and everything Sterling has to offer, this home combines comfort, functionality, and value in an established neighborhood. Don't miss this fantastic opportunity!

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
51
BikeBikeable

Schools

4/10
5/10
6/10
Dominion High SchoolGrades PK-120.5 mi

Construction

Condition

  • Year built: 1985

Materials

  • Foundation: Permanent
  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Disposal,Dryer,Washer,Cooktop,Refrigerator,Electric Water Heater

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,746

Heating & Cooling

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

Interior Area

  • Total structure area: 1,746
  • Total interior livable area: 1,746 sqft

Property

Accessibility

  • Accessibility features: Doors - Swing In

Details

  • Parcel number: 012296442000
  • Zoning: R2
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None

Lot

  • Lot size: 10,019 sqft

Parking

  • Total spaces: 1
  • Parking features: Garage Faces Front,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
Lightning
Strong Wind
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 $3,791$45,492
Home Insurance *$149$1,788
Property Taxes $503$6,036
Electricity $202$2,433
Total$4,645$55,740
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$159,257/yr
40% on housing$139,350/yr
45% on housing$123,866/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: 10.8%
10.8%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$429This listing

vs Other Active Listings

Avg $/sqft

ZIP 20164$263
Loudoun County$303

vs Homes Sold Last Month

Median $/sqft

ZIP 20164$321
Loudoun County$270

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
2026-08-13Listed for sale$749,900
2002-09-30Sold$300,000

For Sale by Agent

AgentRoberto Roncales
BrokerageKeller Williams Realty

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