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542 Bane Cutoff Rd, Elk Garden, WV, 26717

5beds
3baths
2,600sqft
$624,900
$240price/sqft
$4,018/moest. monthly cost
$160,720/yrincome needed

About This Home

5 bedroom , 2-1/2 bath rancher with trex decking, metal board n batten siding, and a metal roof for maintenance free living. Heat pump with central air conditioning. Large Storage shed with a walk in cooler. 3 bay garage with 1 bedroom apartment on top. Poured wall concrete foundation. Triple pane tinted windows. Walk in tiled showers. Finished walk out basement. Gas fireplace. All appliances included.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

8/10
Elk Garden SchoolGrades PK-42.0 mi
3/10
7/10
Keyser High SchoolGrades 9-127.5 mi

Construction

Condition

  • Year built: 2023

Materials

  • Roof: Metal

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dryer,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Flooring: Tile,Hardwood
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air,Heat pump,Electric,Propane / Butane
  • Cooling features: Central

Interior Area

  • Total interior livable area: 2,600 sqft

Property

Features

  • Exterior features: Metal
  • Has view: Yes
  • View description: Mountain

Lot

  • Lot size: 19 Acres

Parking

  • Parking features: Garage - Detached,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

  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Winter Weather

FEMA Declared Disasters Across West 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 $3,159$37,908
Home Insurance *$367$4,404
Property Taxes $223$2,676
Electricity $269$3,232
Total$4,018$48,216
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$137,760/yr
40% on housing$120,540/yr
45% on housing$107,146/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: -5.3%
-5.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$240This listing

vs Other Active Listings

Avg $/sqft

ZIP 26717
Mineral County$145

vs Homes Sold Last Month

Median $/sqft

ZIP 26717$188
Mineral County$108

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

DateEventPrice
2026-04-25Price change$659,999
2026-04-12Listed for sale$699,900
2026-02-15Listing removed--
2026-02-10Listed for sale$699,900
2026-02-09Listing removed$749,900
2025-10-20Price change$749,900
2025-09-18Price change$779,000
2025-08-04Price change$799,900
2025-06-24Listed for sale$850,000

For Sale by Owner

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