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237 Speaks Ln, Harpers Ferry, WV, 25425

5beds
3baths
2,582sqft
$580,000
$225price/sqft
$3,955/moest. monthly cost
$158,200/yrincome needed

About This Home

Welcome to 237 Speaks Lane, a beautifully refreshed 5-bedroom, 3-bath home in the sought-after Lake Forest Estates community—offering the feel of brand new construction without the wait. Nearly every detail has been recently updated, including fresh paint, new flooring, trim, and finishes throughout—creating a clean, modern, move-in ready home that truly feels like new from the moment you walk in. The main level features a bright, open-concept layout with spacious living and dining areas, a cozy gas fireplace, and abundant natural light. The kitchen is designed for both everyday living and entertaining, complete with granite countertops, stainless steel appliances, ample cabinetry, pantry, and a large center island. At the front of the home, a versatile flex room offers the perfect space for a home office, formal dining room, sitting area, or playroom. A main-level bedroom and full bathroom provide ideal flexibility for guests, extended stays, or multi-generational living. Upstairs, the primary suite is a true retreat featuring two walk-in closets and a spa-inspired bathroom with dual vanities, a private water closet, soaking tub, and a separate walk-in shower with floor-to-ceiling tile. Three additional bedrooms are located on this level along with a full bath and a convenient upper-level laundry room, thoughtfully positioned near the bedrooms for everyday ease. The walkout lower level is unfinished, offering excellent storage and incredible potential for future living space. Already equipped with a bathroom rough-in, it’s ready to be customized to suit your needs—whether that’s a rec room, guest suite, or additional living area. The home also includes a high-efficiency water treatment system, adding comfort and long-term value. Step outside to enjoy a rare, mostly flat backyard with just the right amount of tree coverage to provide privacy without the upkeep—open, usable, and ideal for everyday living, entertaining, or simply relaxing outdoors. Set on a 0.59-acre lot with a covered front porch and 2-car attached garage, this home offers both comfort and functionality. Located in Lake Forest Estates, residents enjoy access to private lake amenities including fishing, kayaking, swimming, trails, and more—creating a lifestyle that blends nature with everyday convenience. Just minutes from commuter routes, shopping, and dining, this home combines privacy, updates, and functionality in one exceptional package.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

2/10
7/10
3/10
Washington High SchoolGrades 9-126.1 mi

Construction

Condition

  • Property condition: Excellent
  • Year built: 2021

Materials

  • Foundation: Permanent
  • Roof: Architectural Shingle
  • Construction materials: Aluminum Siding

Notable Dates

  • Major remodel year: 2026

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Energy Efficient Appliances,Water Heater,Washer,Stainless Steel Appliance(s),Refrigerator,Oven/Range - Electric,Dishwasher,Dryer,Water Treat System,Electric Water Heater
  • Laundry features: Has Laundry,Upper Level,Laundry Room

Basement

  • Level: Lower

Basement

  • Has basement: Yes
  • Basement: Interior Entry,Walk-Out Access,Unfinished,Sump Pump,Space For Rooms,Rough Bath Plumb,Heated,Exterior Entry,Full

Bedroom2

  • Features: Flooring - Laminate Plank,Window Treatments
  • Level: Main

Bedroom3

  • Features: Flooring - Carpet,Window Treatments
  • Level: Upper

Bedroom4

  • Features: Flooring - Carpet,Window Treatments
  • Level: Upper

Bedroom5

  • Features: Flooring - Carpet
  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Features: Flooring - Luxury Vinyl Plank,Window Treatments,Chair Rail
  • Level: Main

Family Room

  • Features: Flooring - Luxury Vinyl Plank,Fireplace - Gas,Window Treatments,Ceiling Fan(s),Chair Rail
  • Level: Main

Features

  • Attic,Soaking Tub,Bathroom - Tub Shower,Bathroom - Walk-In Shower,Ceiling Fan(s),Chair Railings,Combination Kitchen/Dining,Dining Area,Entry Level Bedroom,Family Room Off Kitchen,Formal/Separate Dining Room,Kitchen - Table Space,Eat-in Kitchen,Pantry,Primary Bath(s),Upgraded Countertops,Walk-In Closet(s),9'+ Ceilings
  • Window features: Window Treatments
  • Flooring: Luxury Vinyl,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Gas/Propane,Mantel(s)
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,582

Foyer

  • Features: Flooring - Luxury Vinyl Plank,Chair Rail
  • Level: Main

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Ceiling Fan(s),Heat Pump,Zoned,Electric

Interior Area

  • Total structure area: 3,832
  • Total interior livable area: 2,582 sqft

Kitchen

  • Features: Granite Counters,Dining Area,Flooring - Luxury Vinyl Plank,Eat-in Kitchen,Kitchen - Electric Cooking,Recessed Lighting,Pantry
  • Level: Main

Laundry

  • Features: Flooring - Luxury Vinyl Plank
  • Level: Upper

Other

  • Features: Bathroom - Tub Shower,Flooring - Luxury Vinyl Plank
  • Level: Main

Other

  • Features: Flooring - Luxury Vinyl Plank,Bathroom - Tub Shower
  • Level: Upper

Primary Bathroom

  • Features: Soaking Tub,Bathroom - Walk-In Shower,Flooring - Ceramic Tile,Double Sink
  • Level: Upper

Primary Bedroom

  • Features: Ceiling Fan(s),Attached Bathroom,Flooring - Carpet,Walk-In Closet(s),Window Treatments
  • Level: Upper

Sitting Room

  • Features: Window Treatments,Chair Rail,Flooring - Laminate Plank
  • Level: Main

Storage Room

  • Level: Lower

Utility Room

  • Level: Lower

Property

Accessibility

  • Accessibility features: 2+ Access Exits

Details

  • Parcel number: 06 23A005400000000
  • Zoning: 101
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Patio & porch: Porch,Roof
  • Exterior features: Lighting
  • Has view: Yes
  • View description: Garden,Trees/Woods
  • Waterfront features: Canoe/Kayak,Boat - Electric Motor Only,Personal Watercraft (PWC),Private Access,Swimming Allowed,Fishing Allowed,Lake

Lot

  • Lot size: 0.59 Acres
  • Features: Cleared,Front Yard,Level,No Thru Street,Wooded,Premium,Private,Rear Yard,SideYard(s),Secluded,Year Round Access

Parking

  • Total spaces: 6
  • Parking features: Covered,Garage Faces Front,Garage Door Opener,Inside Entrance,Driveway,Paved,On Street,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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
    Strong WindRelatively High
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Lightning
Winter Weather

FEMA Declared Disasters Across West 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 $2,932$35,184
Home Insurance *$230$2,760
Property Taxes $526$6,312
Electricity $267$3,209
Total$3,955$47,460
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$135,600/yr
40% on housing$118,650/yr
45% on housing$105,466/yr

West Virginia FAIR Plan Programs

West Virginia Essential Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 260Commercial: 43
Total Premiums$274,000
Total Exposure$30.03M

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: 6.4%
6.4%
0%30.0%
Electricity Growth Rate10-year average: 8.0%
8.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.3%
0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$225This listing

vs Other Active Listings

Avg $/sqft

ZIP 25425$247
Jefferson County$202

vs Homes Sold Last Month

Median $/sqft

ZIP 25425$206
Jefferson County$179

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
2026-05-06Price change$639,000
2026-04-24Listed for sale$649,000
2023-07-10Sold$550,000
2021-07-08Sold$435,000
2021-06-06Pending sale$429,999
2021-06-02Listed for sale$429,999
2020-10-02Listing removed$45,000
2020-09-29Pending sale$45,000
2020-08-25Listed for sale$45,000
2019-10-02Listing removed$19,900
2019-01-03Listed for sale$19,900
2011-03-04Sold$10,000

For Sale by Agent

AgentBrianna Goetting
BrokeragePearson Smith Realty, LLC

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