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204 N Madison St, Orange, VA, 22960

2beds
1baths
0sqft
$285,000
--price/sqft
$1,890/moest. monthly cost
$75,600/yrincome needed

About This Home

First time offered--perfect retirement or starter home in downtown Orange! This all brick home has a full basement, and many upgrades including an updated kitchen, newer roof, hvac, and much more! The basement has so many possibilities of adding square footage to this home. Hardwood floors throughout the main level, fireplace in living room, backyard for a playground or fence it for your family pet!

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

6/10
Orange Elementary SchoolGrades PK-50.5 mi
5/10
6/10
Orange County High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1960

Materials

  • Foundation: Permanent
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch/Rambler
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Dryer,Exhaust Fan,Cooktop,Range Hood,Washer,Water Heater,Dishwasher,Electric Water Heater
  • Laundry features: In Basement

Basement

  • Level: Main

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway,Partial,Full,Heated,Interior Entry,Exterior Entry,Concrete,Rear Entrance,Space For Rooms,Sump Pump,Unfinished,Windows

Bathroom1

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 121
  • Dimensions: 11 X 11

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 1
  • Fireplace features: Brick,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 0

Heating & Cooling

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

Interior Area

  • Total structure area: 0

Kitchen

  • Level: Main
  • Area: 198
  • Dimensions: 11 X 18

Living Room

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 216
  • Dimensions: 12 X 18

Primary Bedroom

  • Features: Flooring - HardWood
  • Level: Main
  • Area: 144
  • Dimensions: 12 X 12

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 044A2003501220
  • Zoning: RESIDENTIAL
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Exterior features: Lighting,Rain Gutters,Play Area,Satellite Dish,Sidewalks

Lot

  • Lot size: 8,755 sqft

Parking

  • Parking features: On Street
  • 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

  • Drought
    DroughtRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Drought
Inland Flooding
Lightning
Strong Wind
Earthquake
Hail
Hurricane
Heat Wave
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 $1,441$17,292
Home Insurance *$101$1,212
Property Taxes $146$1,752
Electricity $202$2,433
Total$1,890$22,680
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,800/yr
40% on housing$56,700/yr
45% on housing$50,400/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 22960$252
Orange County$197

vs Homes Sold Last Month

Median $/sqft

ZIP 22960
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
2026-08-18Price change$274,900
2026-07-01Price change$285,000
2026-06-05Listed for sale$289,900
2020-11-04Listing removed$1,100
2020-10-31Listed for rent$1,100
2019-06-22Listing removed$1,000
2019-05-23Price change$1,000
2019-05-01Price change$1,100
2019-04-10Listed for rent$1,000
2016-01-20Listing removed$975
2016-01-16Price change$975
2016-01-07Price change$900
2015-12-10Price change$950
2015-11-17Price change$975
2015-10-08Listed for rent$1,050
2007-07-31Sold$165,000

For Sale by Agent

AgentAdrianna Cowan-Waddy
BrokerageCowan Realty, Inc.

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