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1016 Ramsey Rd, Valley Head, WV, 26294

2beds
2baths
1,113sqft
$360,000
$323price/sqft
$2,643/moest. monthly cost
$105,720/yrincome needed

About This Home

Contact me via email only. Retireddreamlifeyt@ yahoo.com

Getting Around

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

Schools

3/10
2/10

Construction

Condition

  • Year built: 2005

Materials

  • Roof: Metal

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Microwave,Range / Oven,Refrigerator

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

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

Features

  • Flooring: Hardwood
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air,Stove,Wall,Gas
  • Cooling features: None

Interior Area

  • Total interior livable area: 1,113 sqft

Property

Features

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

Lot

  • Lot size: 10 Acres

Parking

  • Total spaces: 99
  • Parking features: Garage - Detached

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 FloodingVery High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Winter Weather
Hail
Landslide
Strong Wind

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 $1,820$21,840
Home Insurance *$525$6,300
Property Taxes $117$1,404
Electricity $181$2,178
Total$2,643$31,716
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,617/yr
40% on housing$79,290/yr
45% on housing$70,480/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: 1.9%
1.9%
0%30.0%
Electricity Growth Rate10-year average: 8.0%
8.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$323This listing

vs Other Active Listings

Avg $/sqft

ZIP 26294
Randolph County$212

vs Homes Sold Last Month

Median $/sqft

ZIP 26294$62
Randolph 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
2025-10-02Listed for sale$350,000

For Sale by Owner

AgentProperty Owner

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