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121 Scotch Pine Ln, Wardensville, WV, 26851

2beds
1baths
1,000sqft
$200,000
$200price/sqft
$1,325/moest. monthly cost
$53,000/yrincome needed

About This Home

Tucked away at the top of a mountain, this 6.83-acre property consisting of home, two story workshop and storage shed offers the perfect blend of privacy, potential, and proximity. Whether you’re looking for an investment opportunity, a weekend retreat, or a full-time residence, this property delivers all three possibilities in one. Just 15 minutes from a four-lane highway, 20 minutes from the National Forest, and within 30 minutes from several scenic lakes ideal for kayaking and fishing, you’ll enjoy both convenience and adventure. A quick half-hour drive to I 81 and less than two hours from Northern Virginia make this a smart location for commuters or those seeking an accessible mountain escape. With a bit of sweat equity and creative vision, this diamond in the rough can be transformed into your dream mountain hideaway complete with sweeping views, fresh air, and endless potential.

Getting Around

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

Schools

4/10
4/10
East Hardy High SchoolGrades 7-125.6 mi

Construction

Condition

  • Year built: 1988

Materials

  • Foundation: Pillar/Post/Pier
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,000

Heating & Cooling

  • Heating features: None,Wood
  • Cooling features: None,Electric

Interior Area

  • Total structure area: 1,000
  • Total interior livable area: 1,000 sqft

Property

Accessibility

  • Accessibility features: 2+ Access Exits

Details

  • Parcel number: 01 272007400000000
  • Zoning: 101
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 6.83 Acres

Parking

  • Parking features: Driveway
  • 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 FloodingVery High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Cold Wave
Hail
Hurricane
Landslide
Lightning
Winter Weather

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 $1,011$12,132
Home Insurance *$85$1,020
Property Taxes $48$576
Electricity $181$2,178
Total$1,325$15,900
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$45,428/yr
40% on housing$39,750/yr
45% on housing$35,333/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: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 8.0%
8.0%
0%15.0%
Property Taxes Growth Rate2-year average: -4.8%
-4.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$200This listing

vs Other Active Listings

Avg $/sqft

ZIP 26851$165
Hardy County$185

vs Homes Sold Last Month

Median $/sqft

ZIP 26851
Hardy County$163

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
2026-03-20Listed for sale$200,000

For Sale by Agent

AgentRick Whetzel
BrokerageHoffman Realty

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