104 Monticello Cir, Locust Grove, VA, 22508
About This Home
Welcome to easy, affordable lake living in Lake of the Woods! This home is updated, move-in ready, and priced under $300,000! At 104 Monticello Circle, the big-ticket items are already done for you. The roof was replaced 5 years ago and the HVAC was replaced a little over a year ago, offering peace of mind from day one. Inside, you’ll find freshly updated LVP flooring, fresh paint, a stylish brick accent wall that adds warmth and character, and a newly refreshed deck! The layout is flexible and functional, perfect for first-time buyers or those seeking a weekend lake retreat. The main level includes a kitchen with nice counter & cabinet space, comfortable bedroom, full bath, and open living/dining spaces. Upstairs, two generously sized bedrooms with LVP flooring share a Jack-and-Jill bath. One bedroom offers a walk-in closet, while the other opens to an elevated deck with peaceful treetop views with the perfect spot for morning coffee or unwinding at the end of the day. Outside, enjoy a charming garden-style front yard, a half-moon driveway with ample parking, and a lovely backyard. A newer side patio adds both function and charm, complemented by a beautiful Japanese maple for seasonal color. Located inside amenity rich Lake of the Woods, residents enjoy access to two lakes, beaches, pool, golf, equestrian trails, parks, dining and more, truly a lifestyle, not just a home. The Wilderness Battlefield entrance is less than five minutes away, with Route 3 shopping and dining within ten. Fredericksburg, Orange, and Culpeper are all within a 30-minute drive. Whether you're buying your first home or searching for an affordable lake escape, this thoughtfully updated retreat offers comfort, community, and everyday ease, all at a price point that’s increasingly hard to find.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Very Good
- Year built: 1978
Materials
- Foundation: Block,Crawl Space,Pillar/Post/Pier
- Roof: Asphalt
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: A-Frame,Colonial
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Washer,Dryer,Disposal,Exhaust Fan,Refrigerator,Oven/Range - Electric,Electric Water Heater
- Laundry features: Main Level,Washer In Unit,Dryer In Unit
Bedroom2
- Features: Flooring - Carpet
- Level: Upper
Bedroom3
- Features: Flooring - Carpet
- Level: Upper
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
- Main level bedrooms: 1
Features
- Ceiling Fan(s),Breakfast Area,Entry Level Bedroom,Family Room Off Kitchen,Primary Bath(s),Vaulted Ceiling(s)
- Flooring: Carpet,Luxury Vinyl
- Finished area below ground: 0
- Finished area above ground: 1,014
Heating & Cooling
- Heating features: Heat Pump,Electric
- Cooling features: Heat Pump,Electric
Interior Area
- Total structure area: 1,014
- Total interior livable area: 1,014 sqft
Kitchen
- Features: Flooring - Vinyl
- Level: Main
Living Room
- Features: Flooring - Carpet
- Level: Main
Primary Bedroom
- Features: Flooring - Carpet
- Level: Main
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 012A0000501400
- Zoning: R3
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Pool features: Community
- Patio & porch: Deck,Patio
Lot
- Features: Wooded
Parking
- Parking features: Asphalt,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
- Strong Wind
- Hail
- Hurricane
- Inland Flooding
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Virginia Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,465 | $17,580 |
| Home Insurance * | $105 | $1,260 |
| Property Taxes | $151 | $1,812 |
| Electricity | $202 | $2,433 |
| Total | $1,923 | $23,076 |
Income You'd Need if You Spent...
Virginia FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-04 | Listed for sale | $299,900 |
| 2017-03-22 | Sold | $157,000 |
| 2017-02-20 | Pending sale | $159,000 |
| 2017-01-12 | Listed for sale | $159,000 |
| 2016-02-25 | Listing removed | $1,000 |
| 2016-02-14 | Listed for rent | $1,000 |
| 2015-11-03 | Listing removed | $178,000 |
| 2015-09-10 | Price change | $178,000 |
| 2015-07-24 | Price change | $179,900 |
| 2015-06-26 | Price change | $184,900 |
| 2015-04-25 | Listed for sale | $189,900 |
| 2006-01-23 | Sold | $197,990 |
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