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18484 Hermitage Rd, Onancock, VA, 23417

3beds
4baths
1,796sqft
$525,000
$292price/sqft
$3,466/moest. monthly cost
$138,640/yrincome needed

About This Home

Welcome to waterfront living at 18484 Hermitage Road in Onancock, Virginia! This spacious 3-bedroom, 3.5-bath home offers a wonderful opportunity to enjoy the beauty and tranquility of Virginia's Eastern Shore. With generous living space and numerous recent upgrades, this property is ready for its next owner to make it home. Recent improvements include a new kitchen floor, new vinyl flooring, new energy-efficient windows on both the first and second floors with a .23 rating, and new ceiling fans and light fixtures. The first-floor primary suite features a newly renovated bathroom, providing added comfort and convenience. Additional upgrades include a new first-floor HVAC system, a new floor-joist heating system, an updated second-floor bathroom, and a new porch awning. A washer and dryer convey with the property, and the outdoor shed has electric available, providing additional storage and workspace possibilities. With 3 bedrooms, 3.5 baths, waterfront surroundings, and an extensive list of improvements, this Onancock property offers the perfect combination of coastal living, comfort, and convenience. Whether you are looking for a full-time residence or an Eastern Shore retreat, come experience the peaceful waterfront lifestyle this unique property has to offer!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

3/10
6/10
Nandua Middle SchoolGrades 6-82.7 mi
4/10
Nandua High SchoolGrades 9-123.0 mi

Construction

Condition

  • Property condition: 50-100 yrs +/-
  • Year built: 1880

Materials

  • Foundation: Crawl Space
  • Roof: Composition
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Eastern Shore Style
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Microwave,Dishwasher,Refrigerator,Range Hood,Washer,Dryer,Electric Water Heater
  • Laundry features: Washer/Dryer Hookup

Bedrooms & Bathrooms

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

Dining Room

  • Features: Eat-in Kitchen,Dining Area

Features

  • Walk-In Closet(s),1st Floor Bedroom
  • Number of fireplaces: 1
  • Fireplace features: One Fireplace
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Heat Pump,Electric

Interior Area

  • Total structure area: 1,796
  • Total interior livable area: 1,796 sqft

Property

Details

  • Parcel number: 084C00100000200

Features

  • Levels: Two
  • Patio & porch: Deck
  • Exterior features: Pier/Dock
  • On waterfront: Yes
  • Waterfront features: Waterfront
  • Waterbody name: Onancock Creek

Lot

  • Lot size: 0.47 Acres
  • Features: <.5 acre +/-
  • Lot size dimensions: .47 Acre

Parking

  • Parking features: No Garage,Stone 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

  • Coastal Flooding
    Coastal FloodingVery High
  • Hurricane
    HurricaneVery High
  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Cold Wave
Strong Wind
Heat Wave
Inland Flooding
Ice Storm
Wildfire
Winter Weather
Tsunami

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 $2,654$31,848
Home Insurance *$374$4,488
Property Taxes $236$2,832
Electricity $202$2,433
Total$3,466$41,592
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$118,834/yr
40% on housing$103,980/yr
45% on housing$92,426/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: 5.5%
5.5%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -0.7%
-0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$292This listing

vs Other Active Listings

Avg $/sqft

ZIP 23417$172
Accomack County$171

vs Homes Sold Last Month

Median $/sqft

ZIP 23417
Accomack County$175

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
2026-08-18Price change$499,000
2026-07-13Listed for sale$525,000
2020-01-27Listing removed$1,500
2020-01-25Price change$1,500
2020-01-09Listed for rent$1,650

For Sale by Agent

AgentKeith Robert Koerner
BrokerageCOLDWELL BANKER HARBOUR REALTY

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