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104 Getty Rd, Suffolk, VA, 23434

4beds
3baths
2,361sqft
$542,528
$230price/sqft
$3,715/moest. monthly cost
$148,600/yrincome needed

About This Home

Quick close available, plus up to $20,000 in CCA when using one of the builder's preferred lenders and settlement agent. The Castlebay is a stunning two-story home that seamlessly blends luxury and functionality. An open-concept design showcases a spacious first-floor primary suite with a spa-inspired en-suite bath, featuring an oversized frameless glass shower and a separate soaking tub. The gourmet kitchen boasts quartz countertops, a large island, and stainless steel appliances including a gas range, complemented by elegant 42" Ellis Gray cabinetry with dovetail construction and soft-close drawers and doors. Upstairs, three additional bedrooms and a full bath provide comfortable accommodations for family or guests. Enjoy outdoor living from the screened porch with breathtaking river views, plus the convenience of a two-car garage.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

4/10
3/10
2/10
King's Fork High SchoolGrades 9-125.9 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Slab
  • Roof: Asphalt Shingle
  • Construction materials: Stone,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Gas Range,Gas Water Heater
  • Laundry features: Dryer Hookup,Washer Hookup

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Primary Sink-Double,Walk-In Closet(s),Pantry
  • Flooring: Carpet,Ceramic Tile,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Fireplace Gas-natural
  • Fireplace: Yes
  • Attic: Pull Down Stairs

Full Bathroom

  • Level: Second

Great Room

  • Level: First

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,361 sqft

Kitchen

  • Level: First

Primary Bedroom

  • Level: First

Utility Room

  • Level: First

Property

Details

  • Parcel number: 26FRH246
  • Zoning: RES

Features

  • Stories: 2
  • Pool features: None
  • Patio & porch: Screened Porch
  • Fencing: None
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: River Front

Lot

  • Lot size: 10,062 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage Att 2 Car,2 Space,Driveway,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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

  • Winter Weather
    Winter WeatherRelatively High
  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Hurricane
Lightning
Strong Wind
Tsunami

FEMA Declared Disasters Across 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 $2,743$32,916
Home Insurance *$262$3,144
Property Taxes $483$5,796
Electricity $227$2,728
Total$3,715$44,580
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$127,371/yr
40% on housing$111,450/yr
45% on housing$99,066/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: 7.5%
7.5%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$230This listing

vs Other Active Listings

Avg $/sqft

ZIP 23434$155
Suffolk City$178

vs Homes Sold Last Month

Median $/sqft

ZIP 23434$194
Suffolk City$194

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

No price history available

New Construction

AgentJay Osborough
BrokerageBHHS RW Towne Realty

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