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540 Main St, Union, WV, 24983

3beds
2baths
2,684sqft
$240,000
$89price/sqft
$1,903/moest. monthly cost
$76,120/yrincome needed

About This Home

A Yesteryear find! A special property in downtown Union that is waiting on someone who respects it's history! A 3 BD/2Bth with the look of the early 19th Century - owner has started the process of getting the finer points attended to - refinished front columns, refinished hall way, 4 fireplaces work! Work called & owner has left all the items to finish that include all the new siding to redo the exterior, full kitchen w/Aga stove, subzero fridge, fieldstone counter tops, new HVAC system, Antique doors & other adornments - plus so very much more!! 1st floor features laundry, Kitchen Dining, Living room as well as a Bd - Upstairs 2 Bds, bath as well as another Porch to enjoy local parades! Storage building, basement storage as well as numerous sitting areas & lovely grounds to enjoy.

Getting Around

40
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Construction

Condition

  • Year built: 1841

Materials

  • Foundation: Block,Stone
  • Roof: Wood,Metal

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range/Oven,Refrigerator

Bathroom2

  • Level: Upper

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1

Dining Room

  • Level: Main

Features

  • Flooring: Ceramic Tile,Hardwood,Vinyl,Laminate

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,684
  • Total interior livable area: 2,684 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bathroom

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 36.2
  • Zoning: No

Features

  • Has view: Yes
  • View description: Street View

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

  • Cold Wave
    Cold WaveVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Winter Weather
Landslide

FEMA Declared Disasters Across West Virginia Counties

Flood
Mud Landslide
Severe Storm
Straight Line Winds
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 $1,213$14,556
Home Insurance *$149$1,788
Property Taxes $263$3,156
Electricity $278$3,336
Total$1,903$22,836
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,245/yr
40% on housing$57,090/yr
45% on housing$50,746/yr

West Virginia FAIR Plan Programs

West Virginia Essential Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 260Commercial: 43
Total Premiums$274,000
Total Exposure$30.03M

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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 8.0%
8.0%
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

$89This listing

vs Other Active Listings

Avg $/sqft

ZIP 24983$122
Monroe County$161

vs Homes Sold Last Month

Median $/sqft

ZIP 24983
Monroe County$119

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
2026-04-07Listed for sale$240,000
2013-02-15Sold$123,000
2008-09-22Sold$100,000

For Sale by Agent

AgentMartha T. Hilton
BrokerageFathom Realty, LLC

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