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27 Cabin Rd, Lottsburg, VA, 22511

2beds
1baths
1,430sqft
$399,000
$279price/sqft
$2,722/moest. monthly cost
$108,880/yrincome needed

About This Home

Potomac River cottage offering 2 bedrooms and 1 full bath. Coming Soon with additional photos and details to follow. Beautiful waterfront setting with wide views of the Potomac River.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
6/10

Construction

Condition

  • Year built: 1932

Materials

  • Construction materials: Sheetrock Walls,Aluminum Siding,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage
  • Property subType: Waterfront Residential

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Washer/Dryer Hookup

Bedrooms & Bathrooms

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

Features

  • 1st Floor Bedroom,Fireplace
  • Fireplace features: Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Baseboard
  • Cooling features: Ceiling Fan(s),Wall/Window Unit(s)

Interior Area

  • Total structure area: 1,430
  • Total interior livable area: 1,430 sqft

Property

Details

  • Parcel number: 4A17
  • Zoning description: Residential

Features

  • Levels: Two
  • Patio & porch: Deck
  • Has view: Yes
  • View description: River/Creek View
  • Has water view: Yes
  • Water view: River/Creek View
  • On waterfront: Yes
  • Waterfront features: River/Creek Front
  • Waterbody name: Potomac River
  • Frontage length: 125+

Lot

  • Lot size: 0.79 Acres
  • Features: .5-.9 acre

Parking

  • Parking features: None,Natural 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

  • Strong Wind
    Strong WindVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Drought
    DroughtRelatively High
  • Hurricane
    HurricaneRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Coastal Flooding
Drought
Hurricane
Cold Wave
Inland Flooding
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 $2,017$24,204
Home Insurance *$248$2,976
Property Taxes $255$3,060
Electricity $202$2,433
Total$2,722$32,664
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$93,325/yr
40% on housing$81,660/yr
45% on housing$72,586/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

$279This listing

vs Other Active Listings

Avg $/sqft

ZIP 22511$240
Northumberland County$245

vs Homes Sold Last Month

Median $/sqft

ZIP 22511
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
2026-05-11Listed for sale$399,000

For Sale by Agent

AgentJosh Hinson
BrokerageJoe Self Realty

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