2028 Richmond Rd, Troy, VA, 22974
About This Home
HILL COTTAGE – Step into the warmth & character of a historic log cabin that was expanded into a comfortable year-round home situated on 10.27+/- acres. Blending rustic character with modern conveniences, the cottage features a welcoming log living room with fireplace, a fully equipped kitchen that opens to a cozy family room with exposed brick, an adjoining dining room, a first-floor bedroom, full bathroom, & a spacious upstairs bedroom. Recent upgrades include a tankless hot water heater & new dishwasher. The property offers a desirable mix of open fields & woods, providing endless opportunities for gardening, recreation, horses or simply enjoying the peaceful country setting. With potential for an additional lot under Fluvanna County's Family Subdivision regulations (subject to County approval), the property also offers future value & flexibility. A unique opportunity to purchase a property which has been lovingly owned by the same family for several generations. Ideally located with convenient access to Charlottesville & the University of Virginia to the west & Richmond to the east. Hill Cottage is perfectly suited as a full-time residence, a relaxing weekend getaway, or an exceptional investment opportunity.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1940
Materials
- Foundation: Stone
- Roof: Metal
- Construction materials: Stick Built,Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Range,Refrigerator,Tankless Water Heater,Dryer,Washer
- Laundry features: Washer Hookup,Dryer Hookup
Basement
- Basement: Crawl Space
Bathroom
- Level: First
Bedroom
- Level: First
Bedroom
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 1
Dining Room
- Level: First
Family Room
- Level: First
Features
- Primary Downstairs
- Flooring: Vinyl,Wood
- Number of fireplaces: 2
- Fireplace features: Two
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,536
Heating & Cooling
- Heating features: Baseboard
- Cooling features: Window Unit(s)
Interior Area
- Total structure area: 1,536
- Total interior livable area: 1,536 sqft
Kitchen
- Level: First
Living Room
- Level: First
Property
Details
- Parcel number: 4A29A
- Zoning description: A-1 Agricultural
Features
- Levels: One and One Half
- Stories: 1
- Patio & porch: Deck
- Exterior features: Mature Trees/Landscape
- Has view: Yes
- View description: Rural
Lot
- Lot size: 10.27 Acres
- Features: Garden,Level,Native Plants,Partially Cleared,Private,Wooded
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
- Strong Wind
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters Across Virginia Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,219 | $26,628 |
| Home Insurance * | $114 | $1,368 |
| Property Taxes | $313 | $3,756 |
| Electricity | $202 | $2,433 |
| Total | $2,848 | $34,176 |
Income You'd Need if You Spent...
Virginia FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-27 | Listed for sale | $439,000 |
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