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1789 Helmick Rock Rd, Mathias, WV, 26812

2beds
1baths
1,120sqft
$259,000
$231price/sqft
$1,929/moest. monthly cost
$77,160/yrincome needed

About This Home

Peaceful, newly renovated & fully furnished 2-bedroom, 1-bath cabin situated on a private wooded acre with a year-round stream in the desirable Lost River area, just two hours from Washington, DC. Surrounded by nature with no other homes in sight, the property offers exceptional privacy while maintaining modern conveniences, including high-speed fiber internet and central heat. The inviting interior features an open living area, wood-burning stove, updated kitchen, and large windows overlooking the woods, while exterior amenities include a covered front porch, private hot tub, and creekside fire pit – perfect for relaxing and enjoying the peaceful setting year-round. Conveniently located near Lost River State Park, local shops, dining, arts, yoga, and outdoor recreation. As a vacation rental, the property has generated approximately $150,000 over the past three years ($38,000 in the past year) and can include an existing property manager and cleaner for a seamless transition. Hot tub is available for purchase. See seller docs for detailed rental history and financials. $1,000 buyer credit available if you continue using the current property manager. No HOA. Brand new metal roof installed this spring. Perfect primary home, mountain getaway, or investment property!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

4/10
7/10
Moorefield Middle SchoolGrades 6-86.9 mi
4/10
Moorefield High SchoolGrades 9-127.6 mi

Construction

Condition

  • Year built: 1940

Materials

  • Foundation: Block,Wood,Concrete Perimeter
  • Roof: Metal
  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,120

Heating & Cooling

  • Heating features: Heat Pump,Central
  • Cooling features: None,Electric

Interior Area

  • Total structure area: 1,120
  • Total interior livable area: 1,120 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 02 366000400000000
  • Zoning: 101
  • Special condition: Standard

Features

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

Lot

  • Lot size: 1 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Hail
Hurricane
Landslide
Lightning
Strong Wind
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 $1,309$15,708
Home Insurance *$105$1,260
Property Taxes $334$4,008
Electricity $181$2,178
Total$1,929$23,148
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,137/yr
40% on housing$57,870/yr
45% on housing$51,440/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: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 8.0%
8.0%
0%15.0%
Property Taxes Growth Rate2-year average: -4.8%
-4.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$231This listing

vs Other Active Listings

Avg $/sqft

ZIP 26812$145
Hardy County$184

vs Homes Sold Last Month

Median $/sqft

ZIP 26812
Hardy County$163

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
2026-08-13Contingent$259,000
2026-06-29Price change$259,000
2026-05-29Listed for sale$265,000
2022-06-16Sold$210,000
2022-05-27Contingent$212,500
2022-05-23Listed for sale$212,500
2020-10-13Sold$129,900
2009-10-22Sold$39,500

For Sale by Agent

AgentTony Cappaert
BrokerageBlue Valley Real Estate

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