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1854 Middle Cove Rd, Mathias, WV, 26812

4beds
2baths
1,800sqft
$449,900
$250price/sqft
$3,219/moest. monthly cost
$128,760/yrincome needed

About This Home

*Professional photos coming soon!* Your chance to own a brand-new home with million-dollar views—without the million-dollar price tag! This beautifully designed 4BD/2BA new construction home is nearly complete and offers the perfect blend of quality craftsmanship, modern finishes, and breathtaking scenery. Set in a peaceful location with sweeping mountain views, this property is the ideal escape while still offering all the comforts of a thoughtfully designed home. Step inside and imagine yourself in a bright, open living space featuring durable Pergo flooring and quality finishes throughout. The spacious kitchen is sure to be the centerpiece of the home, designed with timeless white shaker cabinetry, stunning Silestone quartz countertops, a beautiful butcher block island top, and brand-new GE appliances—perfect for gathering with family and friends or simply enjoying everyday life in style. The well-planned layout includes two large bathrooms, both featuring double sink vanities for added convenience and functionality. The primary bathroom will feel like your own private retreat, complete with a soaking tub designed for relaxation after a long day of hiking, exploring, or simply enjoying the peaceful mountain setting. Generous closet space throughout the home offers plenty of storage and practical everyday living. Built with durability and curb appeal in mind, the exterior will feature low-maintenance LP SmartSide siding and inviting covered porch spaces designed to maximize the stunning surroundings. Enjoy quiet mornings on the covered front or side entry porches, or take in the unforgettable sunsets from the huge covered back porch—an ideal place for entertaining or simply soaking in those spectacular views. With construction nearing completion, now is the perfect opportunity to secure a brand-new home and enjoy the excitement of being one of the very first to make memories here. Offering modern finishes, quality materials, and a setting that truly captures the beauty of West Virginia, this almost-finished home is shaping up to be something truly special.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

4/10
4/10
East Hardy High SchoolGrades 7-1211.6 mi

Construction

Condition

  • Property condition: Excellent
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Block,Stick Built

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary,Ranch/Rambler
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Main Level

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 4

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,800

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,800
  • Total interior livable area: 1,800 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 02 468003300000000
  • Zoning: 108
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Porch
  • Has view: Yes
  • View description: Mountain(s)

Lot

  • Lot size: 1.47 Acres
  • Features: Cleared,Front Yard

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 $2,274$27,288
Home Insurance *$184$2,208
Property Taxes $575$6,900
Electricity $186$2,237
Total$3,219$38,628
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,365/yr
40% on housing$96,570/yr
45% on housing$85,840/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

$250This listing

vs Other Active Listings

Avg $/sqft

ZIP 26812$125
Hardy County$179

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
2026-08-04Price change$425,000
2026-06-19Listed for sale$449,900
2025-09-25Sold$55,000
2020-03-04Sold$50,000

New Construction

AgentAlisha Lowery
BrokerageLost River Trading Post Realty

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