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548 E River Rd, Fork Union, VA, 23055

6beds
2baths
2,000sqft
$279,500
$140price/sqft
$1,929/moest. monthly cost
$77,160/yrincome needed

About This Home

First offering! Attractive two family home - Excellent for family or as an investment as two individual rental units - All utilities are separate - As two rental units, probable rental income around $2,500/mo. - Owner/Agent. Agent also Licensed Real Estate Appraiser

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

5/10
Carrysbrook ElementaryGrades 3-42.6 mi
6/10
Fluvanna MiddleGrades 5-74.0 mi
5/10

Construction

Condition

  • Year built: 1975

Materials

  • Foundation: Poured
  • Construction materials: Stick Built

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bathroom

  • Level: First

Bathroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 3

Features

  • Primary Downstairs
  • Finished area below ground: 0
  • Finished area above ground: 2,000

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: None

Interior Area

  • Total structure area: 2,000
  • Total interior livable area: 2,000 sqft

Kitchen

  • Level: First

Kitchen

  • Level: Second

Living Room

  • Level: First

Living Room

  • Level: Second

Property

Details

  • Parcel number: 52A87
  • Zoning description: A-1 Agricultural

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 2 Acres

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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Drought
Earthquake
Hurricane
Heat Wave
Inland Flooding
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 $1,413$16,956
Home Insurance *$115$1,380
Property Taxes $199$2,388
Electricity $202$2,433
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

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: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 4.0%
4.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$140This listing

vs Other Active Listings

Avg $/sqft

ZIP 23055$141
Fluvanna County$196

vs Homes Sold Last Month

Median $/sqft

ZIP 23055$156
Fluvanna County$212

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
2026-06-11Listed for sale$279,500

For Sale by Agent

AgentLEWIS JOHNSON
BrokerageBLUE RIBBON REALTY

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