21 Cross St, Kinsale, VA, 22488
About This Home
Great Opportunity to Own Your Own Affordable Northern Neck Get-a-Way! Not Waterfront but Water View and Short Walk to One of Three Community Piers wit Access to the Yeocomico River in the Town of Kinsale - Short Run to Potomac River and Chesapeake Bay for Some of the Best Boating and Fishing - Ideal Weekend - Short Rental - Being Sold AS-IS - Any Inspection for Buyer's Information Purposes Only
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1950
Materials
- Roof: Age Unknown
- Construction materials: Sheetrock Walls,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Water Access Residential
Interior
Appliances
- Appliances included: Range,Range Hood,Refrigerator,Electric Water Heater
Basement
- Basement: Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Dining Room
- Features: Eat-in Kitchen
Features
- 1st Floor Bedroom,Great Room
- Flooring: Vinyl
- Fireplace features: None
Heating & Cooling
- Heating features: Heat Pump
- Cooling features: Heat Pump
Interior Area
- Total structure area: 1,200
- Total interior livable area: 1,200 sqft
Property
Details
- Zoning description: R
Features
- Levels: One
- Patio & porch: Deck
- Has view: Yes
- View description: River/Creek View
- Has water view: Yes
- Water view: River/Creek View
- Waterbody name: Yeocomico River
- Frontage length: 0
Lot
- Lot size: 0.45 Acres
- Features: < .5 acre
Parking
- Parking features: None
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
- Drought
- Hurricane
- Strong Wind
- Coastal Flooding
- Hail
- Lightning
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across Virginia Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $960 | $11,520 |
| Home Insurance * | $114 | $1,368 |
| Property Taxes | $98 | $1,176 |
| Electricity | $202 | $2,433 |
| Total | $1,374 | $16,488 |
Income You'd Need if You Spent...
Virginia FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2025-09-13 | Price change | $198,500 |
| 2025-07-03 | Listed for sale | $199,000 |
View on Zillow