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32 N Main St, Kilmarnock, VA, 22482

2beds
2baths
1,056sqft
$299,000
$283price/sqft
$1,988/moest. monthly cost
$79,520/yrincome needed

About This Home

Prime Location- In the heart of downtown Kilmarnock. This adorable property is zoned C-1 mixed use. 2 bedroom 1.5 baths, 9'+ spruce ceilings downstairs- full kitchen, living area upstairs and downstairs can be used for residential space or business, building use has been for short term rental, Real Estate office , and retail business currently in there. Call today to schedule a showing.

Getting Around

60
WalkingSomewhat Walkable
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

4/10
6/10
Lancaster High SchoolGrades 8-125.8 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1965

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Block,Drywall,Vinyl Siding

Type & Style

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

Interior

Additional Room

  • Level: First

Appliances

  • Appliances included: Dryer,Electric Water Heater,Microwave,Oven,Refrigerator,Stove,Washer

Bedroom2

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Bay Window,Ceiling Fan(s),High Ceilings,High Speed Internet,Laminate Counters,Cable TV,Wired for Data,Window Treatments
  • Window features: Window Treatments
  • Flooring: Partially Carpeted,Vinyl
  • Attic: Access Only,Floored
  • Finished area below ground: 0
  • Finished area above ground: 1,056

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,056 sqft

Kitchen

  • Level: First

Living Room

  • Level: Second

Master Bedroom

  • Level: Second

Property

Details

  • Parcel number: 23A 23 18D
  • Attached to another structure: Yes
  • Zoning description: C-1
  • Special condition: Corporate Listing

Features

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

Parking

  • Parking features: Parking Lot,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

  • Hurricane
    HurricaneVery High
  • Drought
    DroughtRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hurricane
Drought
Strong Wind
Coastal Flooding
Cold Wave
Heat Wave
Ice Storm
Lightning
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 $1,511$18,132
Home Insurance *$153$1,836
Property Taxes $122$1,464
Electricity $202$2,433
Total$1,988$23,856
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$68,160/yr
40% on housing$59,640/yr
45% on housing$53,013/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: 5.4%
5.4%
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

$283This listing

vs Other Active Listings

Avg $/sqft

ZIP 22482$237
Lancaster County$280

vs Homes Sold Last Month

Median $/sqft

ZIP 22482
Lancaster County$245

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
2026-05-04Listed for sale$325,000
2025-05-01Listing removed$255,000
2025-04-29Listing removed$2,000
2025-04-08Listed for rent$2,000
2025-02-11Price change$255,000
2025-02-10Listed for sale$275,000
2024-11-27Pending sale$275,000
2024-11-19Listed for sale$275,000
2021-03-05Listing removed$199,000
2021-01-10Listed for sale$199,000

For Sale by Agent

AgentDebbie Price-Jolly
BrokeragePrice Properties

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