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28 Lane Rd, Reedville, VA, 22539

3beds
2baths
960sqft
$125,000
$130price/sqft
$989/moest. monthly cost
$39,560/yrincome needed

About This Home

LOCATION LOCATION LOCATION!! To all Handymen, and Investor Buyers here's your chance to embrace this incredible opportunity to own a 3-bedroom, 1.5-bath beach cottage home sitting on a LARGE piece of property totaling 5 SPACIOUS LOTS in this highly sought-after WATER FRONT CHESAPEAKE BAY ESTATES community!! An oversized 14x32 NEW shed also conveys with the property, paid ($22,000). Just a short stroll from the Chesapeake Bay, you're just moments from the community beach, boat ramp, picnic area, and clubhouse, making it the perfect setting for weekend getaways or year-round coastal living. Filled with character and ready for your vision, this property offers the chance to bring it back to life with some well-deserved TLC. Whether you're dreaming of a peaceful retreat, a family gathering spot, or a future investment, this home provides the foundation for creating lasting memories in a beloved waterfront neighborhood. No financing. Home sits on two of the five lots with it's own septic. The additional lots are cleared with public sewage hook ups. Corner property!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

5/10
4/10
6/10
Northumberland High SchoolGrades 9-1211.1 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1998

Materials

  • Roof: Other
  • Construction materials: Aluminum Siding,Frame,Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Manufactured Home
  • Property subType: Manufactured Home

Interior

Bedrooms & Bathrooms

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

Features

  • Attic: None
  • Finished area below ground: 0
  • Finished area above ground: 960

Half Bath

  • Level: First

Heating & Cooling

  • Heating features: None,Space Heater
  • Cooling features: Wall Unit(s)

Interior Area

  • Total interior livable area: 960 sqft

Other

  • Level: First

Property

Details

  • Parcel number: 38C220240

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 3,920 sqft

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

  • Strong Wind
    Strong WindVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Coastal Flooding
Hurricane
Cold Wave
Drought
Ice Storm
Tornado
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 $632$7,584
Home Insurance *$75$900
Property Taxes $80$960
Electricity $202$2,433
Total$989$11,868
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$33,908/yr
40% on housing$29,670/yr
45% on housing$26,373/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: 6.0%
6.0%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$130This listing

vs Other Active Listings

Avg $/sqft

ZIP 22539$309
Northumberland County$248

vs Homes Sold Last Month

Median $/sqft

ZIP 22539
Northumberland County$211

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
2026-02-27Listed for sale$175,000

For Sale by Agent

AgentJenny Rowsey
BrokerageSamson Properties

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