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12547 Smiths Neck Rd, Carrollton, VA, 23314

5beds
4baths
2,972sqft
$600,000
$202price/sqft
$3,732/moest. monthly cost
$149,280/yrincome needed

About This Home

Welcome to 12547 Smiths Neck Road in Carrollton, where modern comfort meets peaceful privacy in this beautifully crafted semi-custom home on a stunning wooded homesite. This two-story residence offers charming curb appeal with a welcoming front porch, inviting entry, and serene natural surroundings. Inside, the open-concept layout is bright and spacious, featuring warm flooring, oversized windows, and an easy flow for everyday living and entertaining. The designer kitchen serves as the heart of the home with abundant cabinetry, granite countertops, stainless steel appliances, a large center island with seating, and a walk-in pantry. The light-filled living area opens to the backyard for effortless indoor-outdoor living. Upstairs, generous bedrooms include a luxurious primary suite with a spa-like bath and custom walk-in closet. Enjoy a private backyard backing to trees, perfect for relaxing, entertaining, or simply taking in the peaceful setting.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

6/10
5/10
Smithfield Middle SchoolGrades 7-83.4 mi
7/10
Smithfield High SchoolGrades 9-123.5 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Slab
  • Roof: Asphalt Shingle
  • Construction materials: Stone,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Electric Range,Electric Water Heater
  • Laundry features: Dryer Hookup,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Primary Sink-Double,Walk-In Closet(s),Pantry
  • Flooring: Carpet,Ceramic Tile,Vinyl,Wood

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,972 sqft

Property

Details

  • Parcel number: 23E01003
  • Zoning: RAC

Features

  • Stories: 3
  • Pool features: None
  • Patio & porch: Porch
  • Fencing: None
  • Waterfront features: Not Waterfront

Lot

  • Lot size: 0.82 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage Att 2 Car,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

  • Coastal Flooding
    Coastal FloodingModerate
  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Winter Weather
Tsunami

FEMA Declared Disasters Across Virginia Counties

Flood
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 $3,033$36,396
Home Insurance *$249$2,988
Property Taxes $164$1,968
Electricity $286$3,435
Total$3,732$44,784
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$127,954/yr
40% on housing$111,960/yr
45% on housing$99,520/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$202This listing

vs Other Active Listings

Avg $/sqft

ZIP 23314$181
Isle of Wight County$188

vs Homes Sold Last Month

Median $/sqft

ZIP 23314$219
Isle of Wight County$204

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

AgentShanon Johnson
BrokerageEXP Realty LLC

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