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109 Tosh Ln, Goodview, VA, 24095

3beds
2baths
1,780sqft
$368,900
$207price/sqft
$2,308/moest. monthly cost
$92,320/yrincome needed

About This Home

So Much Space! This new build boasts 1780 sq ft with a massive open concept living area and 16x20 Primary bedroom!! Enjoy the added sunroom off the back and just wait to see the 20x10 ft deck to be added. The private tree lined lot has a deeded water access to Smith Mountain Lake. The 9 foot ceilings add to the spacious feeling! Out front a 340 sq ft covered porch welcomes you home. The upgraded kitchen features all stainless appliances and a pot filler to make your days filled with luxury and ease. If kitchens and baths make you happy, you do not want to miss these upgraded showers!! So much natural light with windows galore. All this home needs is a final seed and straw and it's first owner!

Getting Around

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

Schools

7/10
5/10
3/10

Construction

Condition

  • Year built: 2025

Materials

  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: Slab

Bedroom2

  • Level: First
  • Area: 156

Bedroom3

  • Level: First
  • Area: 156

Bedroom4

  • Area: 0

Bedroom5

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First
  • Area: 135

Family Room

  • Area: 0

Features

  • Drywall,Main Level Bedroom,Primary Bed w/Bath,Tile Bath(s),Walk-In Closet(s)
  • Window features: Storm Window(s)
  • Flooring: Vinyl Plank
  • Attic: Access
  • Finished area below ground: 0
  • Finished area above ground: 1,780

Great Room

  • Area: 0

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 1,780
  • Total interior livable area: 1,780 sqft

Kitchen

  • Level: First
  • Area: 165

Living Room

  • Level: First
  • Area: 300

Master Bedroom

  • Level: First
  • Area: 320

Office

  • Area: 0

Property

Details

  • Parcel number: 220H321

Features

  • Levels: One
  • Patio & porch: Front Porch

Lot

  • Lot size: 0.97 Acres

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

  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Strong Wind
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 $1,865$22,380
Home Insurance *$121$1,452
Property Taxes $120$1,440
Electricity $202$2,433
Total$2,308$27,696
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$79,131/yr
40% on housing$69,240/yr
45% on housing$61,546/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

$207This listing

vs Other Active Listings

Avg $/sqft

ZIP 24095$276
Bedford County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 24095$181
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
2025-12-11Listed for sale$375,000
2025-10-24Pending sale$375,000
2025-10-22Price change$375,000
2025-07-03Listed for sale$385,000
2025-02-13Sold$40,000
2018-07-30Sold$9,000

For Sale by Agent

AgentKristen Lee Massie
BrokerageKW Metro Center

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