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34 Oakland St, Kilmarnock, VA, 22482

4beds
2baths
2,106sqft
$415,000
$197price/sqft
$2,701/moest. monthly cost
$108,040/yrincome needed

About This Home

Welcome to 34 Oakland Street, a well-maintained and move-in-ready property offering space, comfort, and numerous recent improvements. This spacious home features 4 bedrooms, 2 full bathrooms, and two separate living areas, providing plenty of room for family living, entertaining, or a flexible work-from-home setup. The home has been thoughtfully updated with new appliances, a newer roof, and a 2012 heat pump with gas backup for year-round comfort and efficiency. Additional energy-saving features include a fully encapsulated crawl space and a pull-down attic for convenient storage access. Outside, you'll appreciate the low-maintenance vinyl siding, recently power washed, along with gutters equipped with gutter guards. The property includes a 16' x 16' storage shed plus an additional shed located on the second tax parcel, providing exceptional storage and workshop opportunities. Situated on two tax parcels, this property offers added flexibility and value rarely found at this price point. With an electric water heater, abundant storage, and numerous upgrades already completed, this home is ready for its next owner to enjoy. Don't miss this opportunity to own a versatile property with extra land, multiple outbuildings, and plenty of room to grow.

Getting Around

25
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

3/10
3/10
Lancaster High SchoolGrades 8-125.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1957

Materials

  • Roof: Composition,Shingle
  • Construction materials: Drywall,Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Water Heater,Microwave,Refrigerator,Stove,Washer

Basement

  • Basement: Crawl Space

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedroom4

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Bedroom on Main Level,Bay Window,Ceiling Fan(s),Kitchen Island
  • Flooring: Wood
  • Number of fireplaces: 1
  • Fireplace features: Electric
  • Fireplace: Yes
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 2,106

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,106 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Other

  • Level: First

Property

Details

  • Parcel number: Lr2019 0002040
  • Zoning description: R1

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Rear Porch,Side Porch,Deck
  • Exterior features: Deck
  • Fencing: None

Lot

  • Lot size: 0.76 Acres

Parking

  • Parking features: No Garage

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

  • Hurricane
    HurricaneVery High
  • Drought
    DroughtRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hurricane
Drought
Strong Wind
Coastal Flooding
Cold Wave
Heat Wave
Ice Storm
Lightning
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 $2,098$25,176
Home Insurance *$213$2,556
Property Taxes $188$2,256
Electricity $202$2,434
Total$2,701$32,412
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$92,605/yr
40% on housing$81,030/yr
45% on housing$72,026/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: 5.4%
5.4%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
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

$197This listing

vs Other Active Listings

Avg $/sqft

ZIP 22482$229
Lancaster County$277

vs Homes Sold Last Month

Median $/sqft

ZIP 22482
Lancaster County$245

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
2026-08-05Price change$399,000
2026-07-10Price change$415,000
2026-06-12Listed for sale$425,000

For Sale by Agent

AgentDavid Dew
BrokerageIsabell K. Horsley R. E., Ltd.

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