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3801 Otter Hill Rd, Bedford, VA, 24523

1beds
1baths
320sqft
$258,500
$808price/sqft
$1,689/moest. monthly cost
$67,560/yrincome needed

About This Home

Rare opportunity to enjoy country living while planning your future dream home! Completely renovated and move-in ready, this charming log cabin blends rustic charm with modern updates. The home is nestled on 1.8 acres, overlooks a pond and is set in a beautiful wooded area. There is a cleared homesite beside the pond, a perfect spot for future expansion. The home features all new Hemlock Board & Batten siding, tongue & groove ceilings, all new electrical and plumbing and appliances, new bath with a walk-in shower, fiber internet, an encapsulated crawl space, a new roof, and more! Enjoy outdoor living and nature views with the wrap-around decking and covered porch. The property is also enhanced with an accessory building complete with electric, water, and washer & dryer connections. Ideal as a full-time home, weekend retreat, Airbnb, or future homestead. Peaceful setting with all the work already done!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

5/10
5/10
2/10

Construction

Condition

  • Year built: 1981

Materials

  • Roof: Metal
  • Construction materials: Board & Batten Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: Crawl Space

Bedroom2

  • Area: 0

Bedroom3

  • Area: 0

Bedroom4

  • Area: 0

Bedroom5

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Area: 0

Family Room

  • Area: 0

Features

  • High Speed Internet
  • Window features: Insulated Windows
  • Flooring: Wood
  • Attic: Scuttle
  • Finished area below ground: 0
  • Finished area above ground: 320

Great Room

  • Area: 0

Heating & Cooling

  • Heating features: Wood Stove
  • Cooling features: Mini-Split

Interior Area

  • Total structure area: 320
  • Total interior livable area: 320 sqft

Kitchen

  • Level: First
  • Area: 88

Living Room

  • Area: 0

Master Bedroom

  • Level: First
  • Area: 99

Office

  • Area: 0

Property

Accessibility

  • Accessibility features: Shower

Details

  • Parcel number: 183412A
  • Zoning: AP

Features

  • Levels: One
  • Patio & porch: Porch
  • Exterior features: Garden
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water

Lot

  • Lot size: 1.76 Acres
  • Features: Landscaped,Secluded,Undergrnd Utilities

Parking

  • Parking features: Off Street

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
    DroughtRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Drought
Lightning
Strong Wind
Cold Wave
Inland Flooding
Winter Weather

FEMA Declared Disasters Across Virginia Counties

Flood
Severe Storm
Tornado
Tropical 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 $1,307$15,684
Home Insurance *$88$1,056
Property Taxes $92$1,104
Electricity $202$2,433
Total$1,689$20,268
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$57,908/yr
40% on housing$50,670/yr
45% on housing$45,040/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: 11.3%
11.3%
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

$808This listing

vs Other Active Listings

Avg $/sqft

ZIP 24523$178
Bedford County$196

vs Homes Sold Last Month

Median $/sqft

ZIP 24523$192
Bedford County$181

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
2026-07-24Price change$258,500
2026-06-24Price change$259,000
2026-06-11Price change$262,500
2026-05-21Listed for sale$269,000
2025-07-18Sold$95,000
2025-06-05Pending sale$110,000
2025-05-30Listed for sale$110,000

For Sale by Agent

AgentDenise Lyons
BrokerageCentury 21 ALL-SERVICE-BED

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