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5230 Gum Fork Rd, Gloucester, VA, 23061

3beds
3baths
1,960sqft
$499,900
$255price/sqft
$3,177/moest. monthly cost
$127,080/yrincome needed

About This Home

Set on 5.12 acres, this move-in ready Cape Cod is ideal for horses, chickens, gardening, and outdoor living. The home features an open floor plan with a spacious living room, dining area, and a beautiful kitchen with island, pantry, and stainless steel appliances. A laundry/mud room and guest bath add convenience, while the first-floor primary suite offers an en-suite bath and double closets. Upstairs includes a loft/den, two spacious bedrooms, and a full bath. Outside, enjoy a large fenced area for pets or play, a detached 32x36 garage with a fully floored second level, and a two-stall barn with its own power and water hydrant. Conveniently located, this property blends country living with modern comfort.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

6/10
Bethel Elementary SchoolGrades PK-54.0 mi
7/10
Peasley Middle SchoolGrades 6-84.2 mi
5/10
Gloucester High SchoolGrades 9-123.2 mi

Construction

Condition

  • Year built: 2015

Materials

  • Roof: Asphalt Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator,Water Softener,Electric Water Heater

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Primary Sink-Double,Walk-In Closet(s),Ceiling Fan(s),Pantry
  • Door features: Storm Door(s)
  • Flooring: Carpet,Ceramic Tile,Laminate/LVP

Heating & Cooling

  • Heating features: Heat Pump,Zoned
  • Cooling features: Central Air,Zoned

Interior Area

  • Total interior livable area: 1,960 sqft

Property

Details

  • Parcel number: 42995
  • Zoning: SC-1

Features

  • Stories: 2
  • Pool features: None
  • Patio & porch: Porch
  • Fencing: Back Yard,Chain Link,Fenced
  • Waterfront features: Not Waterfront
  • Horses can be raised: Yes

Lot

  • Lot size: 5.12 Acres
  • Features: Horses Allowed

Parking

  • Total spaces: 2
  • Parking features: Garage Det 2 Car,Oversized,Driveway,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Cold Wave
Drought
Hurricane
Ice Storm
Lightning
Strong Wind
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 $2,527$30,324
Home Insurance *$223$2,676
Property Taxes $225$2,700
Electricity $202$2,433
Total$3,177$38,124
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,925/yr
40% on housing$95,310/yr
45% on housing$84,720/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: 8.7%
8.7%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$255This listing

vs Other Active Listings

Avg $/sqft

ZIP 23061$210
Gloucester County$196

vs Homes Sold Last Month

Median $/sqft

ZIP 23061$213
Gloucester County$195

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

No price history available

For Sale by Agent

AgentStacey Taylor
BrokerageKeller Williams Town Center

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