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125 Kings Orchard Ln, Montross, VA, 22520

4beds
3baths
2,176sqft
$379,900
$175price/sqft
$2,530/moest. monthly cost
$101,200/yrincome needed

About This Home

HUGE PRICE REDUCTION! - NEW ROOF! NEW CARPET! PERFECT FOR VACATION HOME, RENTAL OR FULL TIME LIVING - JUST A SHORT WALK TO THE WATERS EDGE AND ONE OF THE PRIVATE COMMUNITY BEACHES - BRING YOUR BOAT, KAYAKS, FISHING POLES & BEACH TOWEL! DON’T MISS THIS OPPORTUNITY TO OWN A BEAUTIFUL 4-BEDROOM, 3-BATH HOME IN THE HIGHLY DESIRABLE CABIN POINT COMMUNITY. ENJOY BREATHTAKING VIEWS OF CABIN POINT CREEK FROM THE SUNROOM, BACK PATIO/DECK, OR THE NEW PRIVATE UPPER-LEVEL DECK OFF THE PRIMARY BEDROOM. THIS HOME FEATURES AN OPEN FLOOR PLAN WITH A KITCHEN, FAMILY ROOM, DINING AREA, AND THREE-SEASON SUNROOM WITH SKYLIGHTS, NEW CARPET THROUGH THE UPPER LEVEL ALONG WITH A NEW ROOF WITH A TRANSFERABLE WARRANTY, AND A DETACHED TWO-CAR GARAGE. JUST A SHORT WALK TO ONE OF TWO COMMUNITY BEACHES, THE NEIGHBORHOOD ALSO OFFERS A POOL, TENNIS AND BASKETBALL COURTS, TOT LOT, PICNIC PAVILION, TWO BOAT RAMPS, AND A COMMUNITY CENTER.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

3/10
Cople Elementary SchoolGrades PK-54.9 mi
9/10
Montross Middle SchoolGrades 6-87.7 mi
3/10

Construction

Condition

  • Year built: 2003

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Exhaust Fan,Ice Maker,Microwave,Oven/Range - Electric,Refrigerator,Washer,Electric Water Heater
  • Laundry features: Main Level

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Attic,Kitchen - Table Space,Dining Area,Primary Bath(s),Open Floorplan,Entry Level Bedroom,Recessed Lighting
  • Door features: Storm Door(s)
  • Flooring: Luxury Vinyl,Carpet
  • Finished area below ground: 0
  • Finished area above ground: 2,176

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,176
  • Total interior livable area: 2,176 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 25B2 2 67
  • Zoning: RESIDENTIAL
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • Waterfront features: Creek/Stream
  • Waterbody name: Cabin Point Creek

Lot

  • Lot size: 0.33 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Off Street,Detached
  • 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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Drought
Inland Flooding
Ice Storm
Lightning
Strong Wind
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 $1,920$23,040
Home Insurance *$184$2,208
Property Taxes $217$2,604
Electricity $209$2,515
Total$2,530$30,360
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$86,742/yr
40% on housing$75,900/yr
45% on housing$67,466/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: 6.4%
6.4%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 4.9%
4.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$175This listing

vs Other Active Listings

Avg $/sqft

ZIP 22520$153
Westmoreland County$185

vs Homes Sold Last Month

Median $/sqft

ZIP 22520
Westmoreland County$236

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
2026-05-01Price change$389,500
2026-04-07Price change$395,900
2026-03-25Price change$398,000
2026-03-14Price change$400,000
2026-03-04Price change$405,000
2026-02-09Listed for sale$410,000
2018-10-25Sold$193,500
2018-09-29Pending sale$193,500
2018-09-11Price change$193,500
2018-08-06Pending sale$189,990
2018-06-19Listed for sale$189,990
2018-02-23Sold$120,000
2009-10-27Sold$110,000
2009-06-16Sold$159,791

For Sale by Agent

AgentJon Campbell
BrokerageSamson Properties

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