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449 S Main St, Philippi, WV, 26416

5beds
3baths
3,335sqft
$205,000
$61price/sqft
$1,865/moest. monthly cost
$74,600/yrincome needed

About This Home

Priced well below appraisal for quick sale. Beautiful property with 5 bedroom 3 bath house, separate office building, and garage with updated wiring throughout the property. Hot tub on patio included. Fenced in yard. Built in cabinets and desks. Prime location in downtown Philippi. Must see! Asking $205,000 make us an offer!

Getting Around

55
WalkingSomewhat Walkable
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

2/10
3/10
Philippi Middle SchoolGrades 5-81.7 mi

Construction

Condition

  • Year built: 1917

Materials

  • Roof: Metal
  • Construction materials: brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Conventional

Interior

Appliances

  • Appliances included: Dishwasher,Range / Oven

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Tile,Carpet,Hardwood,Linoleum / Vinyl
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Other
  • Cooling features: Central

Interior Area

  • Total interior livable area: 3,335 sqft

Property

Details

  • Parcel number: 0108001100290000

Features

  • Exterior features: Brick
  • Has spa: Yes
  • Has view: Yes
  • View description: City

Lot

  • Lot size: 0.44 Acres

Parking

  • Total spaces: 4
  • Parking features: Garage - Attached,Garage - Detached,Off-street

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 FloodingVery High
  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Cold Wave
Hail
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 $1,036$12,432
Home Insurance *$171$2,052
Property Taxes $313$3,756
Electricity $345$4,146
Total$1,865$22,380
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$63,942/yr
40% on housing$55,950/yr
45% on housing$49,733/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: 4.5%
4.5%
0%30.0%
Electricity Growth Rate10-year average: 8.0%
8.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$61This listing

vs Other Active Listings

Avg $/sqft

ZIP 26416$159
Barbour County$146

vs Homes Sold Last Month

Median $/sqft

ZIP 26416
Barbour County$129

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
2026-07-09Listed for sale$205,000
2026-02-03Listing removed--
2025-11-05Listed for sale$215,000
2025-10-19Listing removed--
2025-07-21Price change$215,000
2025-06-21Listed for sale$225,000
2021-05-18Sold$1,217

For Sale by Owner

AgentProperty Owner

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