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1494 Spruce Creek Ln, Nellysford, VA, 22958

1beds
1baths
650sqft
$359,000
$552price/sqft
$2,287/moest. monthly cost
$91,480/yrincome needed

About This Home

APPOINTMENT REQUIRED - DO NOT DRIVE OUT - ONE WAY ROAD, CAMERAS IN PLACE. Tucked into 17+ private acres of forest overlooking the Rockfish River Valley. Only accessible by 4WD/AWD, this special mountain property offers the kind of peace and space that’s getting harder to find. Two connected cabins create a warm and flexible retreat: the main cabin has been thoughtfully renovated for comfort, while the charming A-frame preserves its original character and awaits your personal touches. Step out onto the deck and take in sweeping, south-facing valley views, where mornings begin with soft mountain light and evenings settle into quiet sunsets over the ridgeline. The surrounding acreage invites exploration with room to hike, hunt, ride trails, or simply unplug and listen to the wind through the trees. Comfortable for year-round use with propane heat, high-speed internet, window A/C downstairs and an A/C and heat unit upstairs (mini-split also conveys but not yet installed). This rare property blends total privacy with easy access to everything that makes the Blue Ridge so special. A place to slow down, breathe deeply, and create lasting memories in the mountains. Don't miss this one! Being sold as is.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

7/10
Nelson Middle SchoolGrades 6-811.4 mi
4/10
Nelson County High SchoolGrades 9-1211.4 mi

Construction

Condition

  • Year built: 1996

Materials

  • Foundation: Block,Pillar/Post/Pier
  • Construction materials: Stick Built

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Refrigerator

Bathroom

  • Level: First

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Finished area below ground: 0
  • Finished area above ground: 650

Heating & Cooling

  • Heating features: Propane
  • Cooling features: Window Unit(s),Wall Unit(s)

Interior Area

  • Total structure area: 650
  • Total interior livable area: 650 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 20A66 AND 20A66A
  • Zoning description: 2-SINGLE FAMILY SUBUR
  • Exclusions: see attached list,please attach exclusion list to offer and initial

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Has view: Yes
  • View description: Mountain(s),Panoramic,Valley

Lot

  • Lot size: 17.12 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

  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hurricane
    HurricaneModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Strong Wind
Hurricane
Winter Weather

FEMA Declared Disasters Across Virginia Counties

Severe Storm
Tropical 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 $1,815$21,780
Home Insurance *$80$960
Property Taxes $190$2,280
Electricity $202$2,433
Total$2,287$27,444
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,411/yr
40% on housing$68,610/yr
45% on housing$60,986/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: 7.9%
7.9%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 3.7%
3.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$552This listing

vs Other Active Listings

Avg $/sqft

ZIP 22958$281
Nelson County$214

vs Homes Sold Last Month

Median $/sqft

ZIP 22958$279
Nelson County$247

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
2026-06-06Price change$359,000
2026-05-16Listed for sale$375,000
2026-05-02Listing removed$375,000
2026-04-19Listed for sale$375,000
2026-04-12Pending sale$375,000
2026-03-12Listed for sale$375,000
2020-06-23Sold$55,000

For Sale by Agent

AgentLISA FLOOD
BrokeragePEAK REALTY VIRGINIA, LLC

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