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108 W Howard St, Hampton, VA, 23663

3beds
2baths
1,306sqft
$299,900
$230price/sqft
$2,158/moest. monthly cost
$86,320/yrincome needed

About This Home

Welcome to Phoebus! This turn key 2 story 3 bedrooms, move-in ready single family home awaits you! Covered front porch, foyer, living room, dining room, eat-in kitchen, 3 bedrooms, 1.5 baths, laundry room, big backyard, close to parks, beaches, shopping and more!

Getting Around

73
WalkingVery Walkable
31
TransitSome Transit
51
BikeBikeable

Schools

5/10
5/10
7/10
Phoebus High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 1922

Materials

  • Roof: Asphalt, Other
  • Construction materials: AluminumSiding,Drywall,Frame,Mixed,VinylSiding

Type & Style

  • Home type: MultiFamily
  • Architectural style: Farmhouse, TwoStory, Transitional
  • Property subType: Multi Family,Farm,Single Family Residence

Interior

Appliances

  • Appliances included: ElectricCooking,ElectricWaterHeater,Refrigerator,RangeHood,Stove

Basement

  • Has basement: Yes
  • Basement: CrawlSpace

Bedrooms & Bathrooms

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

Features

  • CeilingFans,EatInKitchen,LaminateCounters
  • Flooring: Laminate,PartiallyCarpeted,Tile,Vinyl

Heating & Cooling

  • Heating features: ForcedAir,NaturalGas
  • Cooling features: CentralAir

Interior Area

  • Total structure area: 1,306
  • Total interior livable area: 1,306 sqft

Property

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Deck

Lot

  • Lot size: 3,593 sqft

Parking

  • Parking features: OffStreet,OnStreet

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

  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Tsunami

FEMA Declared Disasters Across Virginia Counties

Flood
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 $1,516$18,192
Home Insurance *$198$2,376
Property Taxes $242$2,904
Electricity $202$2,433
Total$2,158$25,896
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,988/yr
40% on housing$64,740/yr
45% on housing$57,546/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: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -0.1%
-0.1%
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 23663$129
Hampton City$145

vs Homes Sold Last Month

Median $/sqft

ZIP 23663$200
Hampton City$180

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
2026-04-28Listed for sale$325,000

For Sale by Agent

AgentKyle T Hause
BrokerageLong & Foster Real Estate-James River

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