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103 Hillside Dr, Locust Grove, VA, 22508

4beds
3baths
2,548sqft
$745,000
$292price/sqft
$4,677/moest. monthly cost
$187,080/yrincome needed

About This Home

Dramatic PRICE IMPROVEMENT on this fabulous waterfront property! Don’t miss your opportunity to tour this beautiful lakefront home with stunning water views, private dock, and numerous recent upgrades. Schedule your showing today before it’s gone! Waterfront retreat at Lake of the Woods! Experience lakeside living in this beautiful, meticulously maintained, two-level waterfront home, perfectly situated on a private 550-acre lake. Featuring 4 bedrooms and 3 full baths, the open-concept layout is designed to maximize both comfort and stunning water views. The welcoming layout features scenic water views from the kitchen, dining, and living areas. The kitchen features updated countertops, new refrigerator and a wall of windows fills the home with natural light while showcasing the peaceful lake setting. The walk-out lower level offers a spacious recreation room, along with a flexible bonus space ideal for a home office or workout area. Enjoy outdoor living with expansive decking—perfect for relaxing, entertaining, or simply taking in the serene surroundings. The new concrete walkways provide easy access to the waterfront deck and boat slip, enhancing both convenience and durability. This property offers the ideal full-time residence or weekend getaway with direct lake access and your own private dock. Recent Updates Include: New HVAC (2024); EV/RV hookups + electric dog fence (2024); fresh paint + wainscoting (2024); expanded driveway (2025); concrete walkways & retaining wall (2025); tree clearing; new stainless steel Whirlpool refrigerator (2024); added lighting; new sod + landscape lighting (2025).

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

--
6/10
4/10
Orange Co. High SchoolGrades 9-1219.1 mi

Construction

Condition

  • Property condition: Excellent
  • Year built: 1984

Materials

  • Foundation: Slab
  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Disposal,Dryer,Exhaust Fan,Extra Refrigerator/Freezer,Oven/Range - Electric,Refrigerator,Washer,Water Heater,Electric Water Heater
  • Laundry features: Lower Level,Has Laundry,Dryer In Unit,Washer In Unit,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Finished,Partial,Interior Entry,Exterior Entry

Bathroom2

  • Level: Main

Bathroom3

  • Level: Lower

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedroom4

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Level: Main

Features

  • Combination Dining/Living,Combination Kitchen/Living,Dining Area,Entry Level Bedroom,Open Floorplan,Family Room Off Kitchen,Primary Bath(s),Upgraded Countertops,Wainscotting
  • Window features: Window Treatments
  • Finished area below ground: 1,144
  • Finished area above ground: 1,404

Heating & Cooling

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

Interior Area

  • Total structure area: 2,548
  • Total interior livable area: 2,548 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Lower

Living Room

  • Level: Main

Primary Bathroom

  • Level: Main

Primary Bedroom

  • Level: Main

Recreation Room

  • Level: Lower

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 012A0001001970
  • Zoning: 017
  • Zoning description: Residential
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Deck
  • Exterior features: Lighting,Extensive Hardscape
  • Fencing: Electric
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Private Dock Site,Riparian Grant,Lake,Boat - Powered,Canoe/Kayak,Fishing Allowed,Private Access,Sail,Swimming Allowed
  • Waterbody name: Lake Of The Woods
  • Frontage length: Water Frontage Ft: 54

Lot

  • Lot size: 0.36 Acres
  • Features: Bulkheaded,Premium

Parking

  • Total spaces: 5
  • Parking features: Asphalt,Driveway
  • Has uncovered spaces: Yes
  • Uncovered spaces: 5

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

How This Home’s Risks Compare

Lightning
Strong Wind
Hail
Hurricane
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 $3,767$45,204
Home Insurance *$271$3,252
Property Taxes $394$4,728
Electricity $245$2,945
Total$4,677$56,124
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$160,354/yr
40% on housing$140,310/yr
45% on housing$124,720/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: 7.9%
7.9%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -5.4%
-5.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$292This listing

vs Other Active Listings

Avg $/sqft

ZIP 22508$185
Orange County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 22508
Orange County$216

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
2026-05-07Price change$819,500
2026-04-16Listed for sale$859,000
2023-09-22Sold$785,000
2023-08-22Contingent$785,000
2023-08-20Listed for sale$785,000
2017-10-23Sold$429,000
2017-09-05Pending sale$440,000
2017-08-17Price change$440,000
2017-07-27Price change$460,000
2017-07-12Listed for sale$475,000

For Sale by Agent

AgentCatharine VIA
BrokeragePearson Smith Realty, LLC

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