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302 E Chatham St, Fredericksburg, VA, 22405

3beds
1baths
1,260sqft
$299,000
$237price/sqft
$2,026/moest. monthly cost
$81,040/yrincome needed

About This Home

Nestled in the charming Clearview/Chatham Heights neighborhood, this delightful Cape Cod home exudes warmth and comfort. With 1,260 sq. ft. of thoughtfully designed space, it features three inviting bedrooms and a full bathroom with a classic tub shower. The traditional floor plan is enhanced by cozy carpeting and ceiling fans, creating a welcoming atmosphere throughout. The kitchen is equipped with essential appliances, including an electric oven/range, refrigerator, and convenient in-unit washer and dryer, making daily living a breeze. Outside, the cleared and level lot offers ample space for outdoor activities, complemented by a handy shed for additional storage. Located in a friendly community, you'll enjoy easy access to local parks, shops, and dining options, perfect for leisurely strolls or weekend outings. This home is not just a place to live; it's a place to create lasting memories. Experience the perfect blend of comfort and convenience in this lovely residence.

Getting Around

36
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Crawl Space
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Oven/Range - Electric,Refrigerator,Washer,Gas Water Heater
  • Laundry features: Upper Level,Dryer In Unit,Washer In Unit

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Ceiling Fan(s),Entry Level Bedroom,Bathroom - Tub Shower,Floor Plan - Traditional
  • Flooring: Carpet
  • Finished area below ground: 0
  • Finished area above ground: 1,260

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Window Unit(s),Multi Units,Electric

Interior Area

  • Total structure area: 1,260
  • Total interior livable area: 1,260 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 54F 8H 111A
  • Zoning: R1
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 4,792 sqft
  • Features: Cleared,Level

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

  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Strong Wind
Tsunami

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 $1,511$18,132
Home Insurance *$85$1,020
Property Taxes $228$2,736
Electricity $202$2,433
Total$2,026$24,312
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$69,462/yr
40% on housing$60,780/yr
45% on housing$54,026/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: 9.5%
9.5%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$237This listing

vs Other Active Listings

Avg $/sqft

ZIP 22405$243
Stafford County$227

vs Homes Sold Last Month

Median $/sqft

ZIP 22405$204
Stafford County$215

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
2026-07-20Listed for sale$299,000
2019-05-19Listing removed$1,250
2019-04-25Listed for rent$1,250
2018-06-09Listing removed$1,200
2018-03-28Listed for rent$1,200
2016-04-13Listing removed$1,300
2016-02-02Listed for rent$1,300
2015-04-03Listing removed$1,300
2015-02-24Listed for rent$1,300
2011-06-03Listing removed$900
2011-05-05Listed for rent$900
1987-08-01Sold$53,500

For Sale by Agent

AgentEvan Sullivan
BrokerageColdwell Banker Elite

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