86 Kelley Rd, Fredericksburg, VA, 22405
About This Home
TWO FOR THE PRICE OF ONE! Rare opportunity to own a double lot totaling .64 acres. The primary lot (Tax ID #2 45D 2 B 15) features the home and detached garage, while the adjoining lot (Tax ID #2 45D 2 B 15B) is a buildable parcel with road access and availability to public water and sewer. This unique property offers endless possibilities—live in the charming cottage while building your dream home next door, then rent the cottage for additional income, or explore investment and development potential. Nestled in a quiet neighborhood just minutes from downtown Fredericksburg, Route 1, and I-95, you’ll enjoy both convenience and a sense of peaceful seclusion. The property includes a fenced yard, paved driveway, detached one-car garage, and a storage/gardening shed with attached carport—perfect for tools and equipment. Relax outdoors on the welcoming front porch or the screened-in rear patio. The home blends character and updates, featuring a newer roof, newer HVAC system, fresh carpet, and paint throughout. Renovated kitchen. The interior offers three bedrooms, a Jack-and-Jill bathroom, and a mudroom/laundry area. Built circa 1960. Bring your vision—this property is full of potential and ready for its next chapter!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1900
Materials
- Foundation: Crawl Space
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch/Rambler
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Exhaust Fan,Ice Maker,Microwave,Refrigerator,Cooktop,Washer,Water Heater,Electric Water Heater
Basement
- Area: 0
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 3
Features
- Finished area below ground: 0
- Finished area above ground: 1,185
Heating & Cooling
- Heating features: Forced Air,Electric
- Cooling features: None,Electric
Interior Area
- Total structure area: 1,185
- Total interior livable area: 1,185 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 45D 2 B 15
- Zoning: R1
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Pool features: None
- Fencing: Full
Parking
- Total spaces: 1
- Parking features: Driveway,Detached Carport
- Covered spaces: 1
- Has uncovered spaces: Yes
- Carport: Yes
- Carport spaces: 1
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
- Inland Flooding
- Lightning
- Strong Wind
- Winter Weather
- Hail
- Hurricane
- Heat Wave
- Tornado
- Tsunami
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 | $2,020 | $24,240 |
| Home Insurance * | $114 | $1,368 |
| Property Taxes | $305 | $3,660 |
| Electricity | $202 | $2,433 |
| Total | $2,641 | $31,692 |
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 |
|---|---|---|
| 2022-02-01 | Sold | $245,000 |
| 2021-12-23 | Pending sale | $249,900 |
| 2021-12-14 | Price change | $249,900 |
| 2021-11-10 | Price change | $264,900 |
| 2021-10-20 | Price change | $274,900 |
| 2021-09-29 | Price change | $289,900 |
| 2021-09-07 | Listed for sale | $299,900 |
| 1965-01-01 | Sold | $8,400 |
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