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42029 Spruce Point Ct, Ashburn, VA, 20148

5beds
5baths
3,642sqft
$1,049,999
$288price/sqft
$6,506/moest. monthly cost
$260,240/yrincome needed

About This Home

Welcome home to 42029 Spruce Point Ct. **Highlights**Main level bedroom, 6th NTC bedroom/office in basement, Separate entry walk up basement, Full bath in basement , Beautiful tiled patio perfect for grilling or relaxing around the fire with friends and family, Gas cooktop stove, Huge open living room with gas fireplace, Ensuite bedroom on upper level and a 3 zone full home premium audio system. All this in the coveted 20148 zip code of Loudoun County! Don't miss out, schedule a showing and send an offer!

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

8/10
7/10
Brambleton Middle SchoolGrades 6-80.6 mi
8/10
Independence HighGrades 9-120.8 mi

Construction

Condition

  • Year built: 2017

Materials

  • Foundation: Other
  • Construction materials: Vinyl Siding,Combination

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Dryer,Washer,Dishwasher,Disposal,Refrigerator,Cooktop,Gas Water Heater

Basement

  • Area: 840

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 840
  • Finished area above ground: 2,802

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 3,642
  • Total interior livable area: 3,642 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 199172606000
  • Zoning: PDH4
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None

Lot

  • Lot size: 6,098 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener,Inside Entrance,Attached,Driveway
  • 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

  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Lightning
Winter Weather
Heat Wave
Strong Wind

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 $5,309$63,708
Home Insurance *$140$1,680
Property Taxes $707$8,484
Electricity $350$4,209
Total$6,506$78,072
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$223,062/yr
40% on housing$195,180/yr
45% on housing$173,493/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: 10.8%
10.8%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$288This listing

vs Other Active Listings

Avg $/sqft

ZIP 20148$287
Loudoun County$304

vs Homes Sold Last Month

Median $/sqft

ZIP 20148$256
Loudoun County$270

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
2026-05-07Price change$1,075,000
2026-04-03Listed for sale$1,099,000

For Sale by Agent

AgentAreeb Fayyaz
BrokerageRedfin Corporation

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