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246 Circle Hill Rd, Ghent, WV, 25843

5beds
4baths
3,042sqft
$665,000
$219price/sqft
$5,113/moest. monthly cost
$204,520/yrincome needed

About This Home

Lakeside luxury at Flat Top Lake! This 5-bed, 3.5-bath home features a private fishing dock and lake access, two car garage, spacious decks, lake views year-round, fire pit area, as well as access to a community beach, playground, and boat launch. Enjoy community events, an epic 4th of July display, and the peace of a private HOA. Live the lake life with your very own home on Flat Top Lake.

Getting Around

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

Schools

7/10
Ghent Elementary SchoolGrades PK-50.6 mi
8/10
2/10
Shady Spring High SchoolGrades 9-125.4 mi

Construction

Condition

  • Property condition: Good
  • Year built: 2010

Materials

  • Roof: Shingle
  • Construction materials: Frame,Aluminum Siding,Sheetrock

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range/Oven,Refrigerator,Washer/Dryer

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s)
  • Window features: Window Treatments
  • Flooring: Carpet,Ceramic Tile,Hardwood,Mixed
  • Fireplace features: Gas
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,042
  • Total interior livable area: 3,042 sqft

Property

Details

  • Parcel number: 0085
  • Zoning description: Residential

Lot

  • Lot size: 0.48 Acres
  • Lot size dimensions: 20998

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Winter Weather
Cold Wave
Ice Storm
Landslide
Strong Wind
Wildfire

FEMA Declared Disasters Across West Virginia Counties

Flood
Mud Landslide
Severe Storm
Straight Line Winds
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 $3,362$40,344
Home Insurance *$791$9,492
Property Taxes $645$7,740
Electricity $315$3,781
Total$5,113$61,356
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$175,302/yr
40% on housing$153,390/yr
45% on housing$136,346/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: 5.7%
5.7%
0%30.0%
Electricity Growth Rate10-year average: 8.0%
8.0%
0%15.0%
Property Taxes Growth Rate2-year average: -0.2%
-0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$219This listing

vs Other Active Listings

Avg $/sqft

ZIP 25843$171
Raleigh County$99

vs Homes Sold Last Month

Median $/sqft

ZIP 25843$122
Raleigh County$105

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)

No zestimate history available

Price History

DateEventPrice
2026-04-14Listed for sale$665,000
2026-04-01Listing removed$665,000
2026-02-02Listed for sale$665,000
2026-01-01Listing removed$689,500
2025-11-03Listed for sale$689,500
2025-10-26Listing removed$689,500
2025-05-03Listed for sale$689,500
2015-02-27Sold$400,000

For Sale by Agent

AgentGarrett E Cole, Broker
BrokerageLakewood Real Estate Service, LLC

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