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LOT 3 Gibson Mill Rd, Culpeper, VA, 22701

3beds
2baths
1,409sqft
$561,900
$399price/sqft
$3,439/moest. monthly cost
$137,560/yrincome needed

About This Home

NO HOA OR COVENANTS. THIS PLAN IS THE PERFECT STARTER HOME. THE MADISON PLAN OFFERS A SPLIT BR PLAN AND HAS EVERYTHING YOU NEED, COMPACT AND EFFICIENT AND ALL ON ONE LEVEL. THIS PLAN IS LOVED BY THOSE LOOKING TO DOWNSIZE WITHOUT GIVING UP ANY OF THE MODERN FEATURES WE ALL LOVE. KITCHEN IS DESIGN EFFICIENT WITH AN ISLAND, PANTRY, GRANITE COUNTERTOPS, MAPLE CABINETS WITH SOFT DOOR AND DRAWER CLOSURE. GREAT ROOM OFF THE KITCHEN, PRIMARY BR ON ONE SIDE OF THE HOME AND THE OTHER TWO BR'S ON THE OPPOSITE SIDE OF THE HOME. WASHER AND DRYER INCLUDED IN APPLIANCE PACKAGE. FULL UNFINISHED BASEMENT WITH RI PLUMBING FOR FUTURE EXPANSION/STORAGE. TWO CAR GARAGE WITH GARAGE DOOR OPENER. BUILDER OFFERS $3,500 TO BUYER FOR CLOSING COSTS IF THEY USE A PREFERRED LENDER AND DESIGNATED TITLE COMPANY. PHOTOS MAY SHOW OPTIONS THAT ARE NOT INCLUDED IN THE BASE PRICE. SEE VIEW DOCS FOR OTHER MODELS THAT COULD BE BUILT ON THIS LOT WITH PRICING.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

6/10
3/10
Eastern View High SchoolGrades 9-124.7 mi

Construction

Condition

  • Property condition: Excellent
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Concrete Perimeter
  • Roof: Architectural Shingle,Asphalt
  • Construction materials: Concrete,Rough-In Plumbing,Stick Built,Vinyl Siding

Other

  • Builder model: MADISON
  • Builder name: TRIGON HOMES

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Ice Maker,Oven/Range - Electric,Refrigerator,Stainless Steel Appliance(s),Cooktop,Washer,Water Heater,Microwave,Electric Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway,Partial,Interior Entry,Exterior Entry,Concrete,Rough Bath Plumb,Unfinished,Windows

Bedroom2

  • Features: Flooring - Carpet
  • Level: Main
  • Area: 117
  • Dimensions: 9 X 13

Bedroom3

  • Features: Flooring - Carpet
  • Level: Main
  • Area: 121
  • Dimensions: 11 X 11

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Features: Flooring - Luxury Vinyl Plank
  • Level: Main
  • Area: 96
  • Dimensions: 8 X 12

Features

  • Ceiling Fan(s),Entry Level Bedroom,Family Room Off Kitchen,Open Floorplan,Eat-in Kitchen,Kitchen Island,Primary Bath(s),Recessed Lighting,Upgraded Countertops,Walk-In Closet(s),Dry Wall
  • Door features: Insulated,Six Panel
  • Window features: Double Pane Windows,Energy Efficient,Insulated Windows,Low Emissivity Windows,Screens
  • Flooring: Carpet,Luxury Vinyl
  • Finished area above ground: 1,409

Great Room

  • Features: Flooring - Luxury Vinyl Plank
  • Level: Main
  • Area: 252
  • Dimensions: 18 X 14

Heating & Cooling

  • Heating features: Forced Air,Heat Pump,Programmable Thermostat,Electric
  • Cooling features: Ceiling Fan(s),Central Air,Heat Pump,Programmable Thermostat,Electric

Interior Area

  • Total structure area: 2,818
  • Total interior livable area: 1,409 sqft

Kitchen

  • Features: Flooring - Luxury Vinyl Plank
  • Level: Main
  • Area: 121
  • Dimensions: 11 X 11

Primary Bathroom

  • Level: Main

Primary Bedroom

  • Features: Flooring - Carpet
  • Level: Main
  • Area: 192
  • Dimensions: 16 X 12

Property

Accessibility

  • Accessibility features: Doors - Lever Handle(s)

Details

  • Parcel number: NO TAX RECORD
  • Zoning: A1
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Exterior features: Sidewalks

Lot

  • Lot size: 1.44 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Garage Door Opener,Inside Entrance,Gravel,Attached,Driveway
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Heat Wave
Strong Wind
Winter Weather

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 $2,841$34,092
Home Insurance *$162$1,944
Property Taxes $234$2,808
Electricity $202$2,433
Total$3,439$41,268
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$117,908/yr
40% on housing$103,170/yr
45% on housing$91,706/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: 9.2%
9.2%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -2.0%
-2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$399This listing

vs Other Active Listings

Avg $/sqft

ZIP 22701$223
Culpeper County$321

vs Homes Sold Last Month

Median $/sqft

ZIP 22701$198
Culpeper County$221

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
2026-03-15Listed for sale$561,900

New Construction

AgentJim Cheatle
BrokerageCENTURY 21 New Millennium

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