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20322 Gum Tree Rd, Orange, VA, 22960

2beds
2baths
924sqft
$284,000
$307price/sqft
$1,885/moest. monthly cost
$75,400/yrincome needed

About This Home

Welcome to 20322 Gum Tree Road—a charming country retreat nestled on 3.49 private acres. This well-maintained 2-bedroom, 1.5-bath home offers 924 square feet of comfortable living space, perfect for those seeking peaceful rural living with modern conveniences. Inside, you'll find a warm and inviting living a cozy fireplace, creating the perfect gathering space during cooler months. The functional floor plan maximizes every square foot, while the kitchen comes fully equipped with all appliances conveying, making this home move-in ready. Outside, the property offers plenty of room to enjoy nature, garden, or simply relax and take in the surrounding countryside. Multiple sheds provide abundant storage for tools, equipment, hobbies, or workshop space, adding exceptional versatility to the property. Whether you're looking for a full-time residence, weekend getaway, or investment opportunity, this delightful home combines comfort and acreage in a beautiful Orange County setting. Don't miss the opportunity to own this charming property with acreage, outbuildings, and all the essentials for country living.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

8/10
5/10
6/10
Orange County High SchoolGrades 9-124.7 mi

Construction

Condition

  • Year built: 1963

Materials

  • Foundation: Brick/Mortar
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

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

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area above ground: 924

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Heat Pump,Ductless,Electric

Interior Area

  • Total structure area: 924
  • Total interior livable area: 924 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 04600000001010
  • Zoning: A
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 3.49 Acres

Parking

  • Parking features: 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

  • Drought
    DroughtRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Drought
Strong Wind
Hail
Hurricane
Inland Flooding
Lightning
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 $1,436$17,232
Home Insurance *$100$1,200
Property Taxes $147$1,764
Electricity $202$2,433
Total$1,885$22,620
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,628/yr
40% on housing$56,550/yr
45% on housing$50,266/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

$307This 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
2026-07-25Price change$284,000
2026-06-17Price change$289,000
2026-06-01Listed for sale$299,000
2023-04-25Sold$222,000
2023-03-12Pending sale$210,000
2023-03-10Listed for sale$210,000
2021-04-22Sold$163,000
2021-03-12Pending sale$160,000
2021-03-08Listed for sale$160,000
2014-08-07Sold$100,000
2014-03-29Listed for sale$103,000
2013-12-01Listing removed$107,000
2013-06-25Price change$107,000
2013-01-19Listed for sale$107,500
2012-12-08Listing removed$107,500
2012-12-07Price change$107,500
2012-12-05Price change$109,500
2012-03-02Listed for sale$107,500
2011-11-12Listing removed$109,500
2011-07-12Price change$109,500
2011-05-27Listed for sale$139,000
2011-04-08Listing removed$139,000
2011-03-02Price change$139,000
2011-01-27Price change$139,500
2010-09-26Price change$139,000
2010-01-23Price change$154,900
2009-12-19Listed for sale$164,000

For Sale by Agent

AgentShauna Butler
BrokerageTown & Country Elite Realty, LLC.

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