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205 Joy Ln, Suffolk, VA, 23435

2beds
2baths
1,527sqft
$394,550
$258price/sqft
$2,627/moest. monthly cost
$105,080/yrincome needed

About This Home

The Caicos at Rollingbrook Villas 55+ offers comfortable, one-level living designed with convenience in mind. This smartly designed home features two spacious bedrooms plus a dedicated study/office, providing the flexibility to create a home office, hobby room, reading nook, or space for occasional guests. The open kitchen flows seamlessly into the bright great room—perfect for everyday living or gathering with friends. The owner’s suite offers a peaceful retreat with a well-appointed second bathroom nearby for added comfort. At Rollingbrook Villas, you’ll enjoy a truly low-maintenance lifestyle with no yard work and access to exceptional community amenities, including a clubhouse, pickleball court, gazebo, and scenic walking areas. This 55+ community is ideally located in Suffolk near shopping, dining, and essential services, making daily life easy and convenient. When simple living and modern comfort matter, the Caicos delivers. Call to schedule your tour today!

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

6/10
8/10
6/10

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

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

Type & Style

  • Home type: Condo
  • Architectural style: Traditional
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,ENERGY STAR Qualified Appliances,Microwave,Range,Refrigerator,Electric Water Heater
  • Laundry features: Dryer Hookup,Washer Hookup

Bedrooms & Bathrooms

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

Features

  • Walk-In Closet(s),Entrance Foyer
  • Flooring: Carpet,Laminate/LVP
  • Attic: Scuttle

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,527 sqft

Property

Details

  • Attached to another structure: Yes

Features

  • Stories: 1
  • Pool features: None
  • Patio & porch: Porch
  • Fencing: None
  • Waterfront features: Not Waterfront

Parking

  • Total spaces: 2
  • Parking features: Garage Att 2 Car
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Coastal Flooding
    Coastal FloodingModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Coastal Flooding
Hurricane
Heat Wave
Lightning
Strong Wind
Tornado
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 $1,995$23,940
Home Insurance *$144$1,728
Property Taxes $286$3,432
Electricity $202$2,433
Total$2,627$31,524
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,068/yr
40% on housing$78,810/yr
45% on housing$70,053/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

$258This listing

vs Other Active Listings

Avg $/sqft

ZIP 23435$209
Suffolk City$178

vs Homes Sold Last Month

Median $/sqft

ZIP 23435$206
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)

No zestimate history available

Price History

No price history available

New Construction

AgentJenny Lovell
BrokerageBHHS RW Towne Realty

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