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3289 Cumberland Rd, Cumberland, VA, 23040

3beds
2baths
1,600sqft
$339,850
$212price/sqft
$2,191/moest. monthly cost
$87,640/yrincome needed

About This Home

3289 Cumberland Road | Cumberland, VA | 1.53 Acres | New Construction Enjoy peaceful rural living in Cumberland County, VA just 15 minutes from Farmville. Situated on 1.53 private acres, this brand-new craftsman-style ranch home offers comfortable single-level living with 3 bedrooms and 2 full baths in a quiet Central Virginia setting. The open-concept layout features 9’ ceilings, luxury vinyl plank flooring, and LED lighting throughout creating a bright and welcoming feel. The kitchen includes a granite countertops, a large island, soft-close custom cabinetry, stainless steel appliances, pantry, and plenty of storage—perfect for everyday living and gathering with family or friends. The primary suite is privately positioned on it's own wing of the house and includes a double vanity with granite countertops, spacious shower, and large walk-in closet. Two additional bedrooms and a full hall bath offer flexibility for kids, guests, office space, or hobbies. Relax on the covered front porch or enjoy the backyard from the rear deck, all surrounded by the natural beauty and privacy Cumberland County is known for. Estimated completion 45–60 days. If you’re searching for new construction on acreage near Farmville with the space and setting that make rural Virginia living so desirable, this is the home for you!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

8/10
2/10
Cumberland Middle SchoolGrades 5-85.2 mi
4/10
Cumberland High SchoolGrades 9-125.2 mi

Construction

Condition

  • Property condition: New Construction,Under Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Composition,Shingle
  • Construction materials: Block,Drywall,Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Microwave,Stove
  • Laundry features: Washer Hookup,Dryer Hookup

Basement

  • Basement: Crawl Space

Bedroom2

  • Level: First
  • Dimensions: 13.11 x 11.3

Bedroom3

  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Dimensions: 14.9 x 11.2

Features

  • Bedroom on Main Level,Ceiling Fan(s),Granite Counters,High Ceilings,Kitchen Island
  • Flooring: Vinyl
  • Attic: Access Only
  • Finished area below ground: 0
  • Finished area above ground: 1,600

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total interior livable area: 1,600 sqft

Kitchen

  • Level: First
  • Dimensions: 14.9 x 11.2

Laundry

  • Level: First
  • Dimensions: 8.8 x 6.0

Living Room

  • Level: First
  • Dimensions: 19.6 x 17.1

Master Bedroom

  • Level: First
  • Dimensions: 15.6 x 12.8

Other

  • Level: First

Property

Details

  • Parcel number: 073A55
  • Zoning description: A2
  • Special condition: Corporate Listing

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Front Porch,Deck,Porch
  • Exterior features: Deck,Porch
  • Fencing: None

Lot

  • Lot size: 2 Acres
  • Features: Cleared

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
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Drought
Hurricane
Inland Flooding
Ice Storm
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across Virginia Counties

Flood
Severe Storm
Tornado
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 $1,718$20,616
Home Insurance *$121$1,452
Property Taxes $150$1,800
Electricity $202$2,433
Total$2,191$26,292
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$75,120/yr
40% on housing$65,730/yr
45% on housing$58,426/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -5.6%
-5.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$212This listing

vs Other Active Listings

Avg $/sqft

ZIP 23040$210
Cumberland County$175

vs Homes Sold Last Month

Median $/sqft

ZIP 23040
Cumberland County$204

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
2026-04-02Price change$359,850
2026-03-02Listed for sale$369,850

New Construction

AgentCory Metts
BrokerageHometown Realty

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