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11813 Middlecoff Dr, Chester, VA, 23836

6beds
5baths
4,310sqft
$849,999
$197price/sqft
$5,617/moest. monthly cost
$224,680/yrincome needed

About This Home

Welcome to Rivers Bend Community and this stately full-brick three-story 4,310 square ft. home with all the finest upgrades. Upon entering, you'll notice the beautiful hardwood floors, grand staircase, and the exquisite craftmanship throughout the home. The elegant dining room has crown molding and wainscoting accents creating a perfect place for entertaining. Across the foyer, the home office or study has French doors to create a quiet place for work or relaxing. There's a spacious family room with built-ins, high ceilings, and large windows for natural lighting. Nearby is the Chef's kitchen with custom cabinets, new cooktop, granite countertops, and a charming eat-in area with a door leading to the back deck and patio area. Also, conveniently located on the first level is the Primary bedroom suite with a large bath and closet space. A second Primary suite is located on the 2nd floor, along with 3 more bedrooms, 2 baths, and a loft bonus area. The finished third floor has endless possibilities as a bedroom with sitting area or recreation/exercise room with a full bath available. This grand home is located on a quiet cul-de-sac and backs to a peaceful yard and paved walking trail. Rivers Bend offers wonderful amenities with the community pool, playground, tennis, basketball, and pickleball courts. Easy access to I-95 and I-295.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

7/10
Enon Elementary SchoolGrades PK-53.1 mi
5/10
4/10
Thomas Dale High SchoolGrades 9-124.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2006

Materials

  • Construction materials: Brick,Drywall

Type & Style

  • Home type: SingleFamily
  • Architectural style: Two Story,Transitional
  • Property subType: Single Family Residence

Interior

Additional Room

  • Level: Third

Additional Room

  • Level: Second

Appliances

  • Appliances included: Gas Water Heater,Stove

Basement

  • Basement: Crawl Space

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedroom5

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Bookcases,Built-in Features,Bedroom on Main Level,Breakfast Area,Cathedral Ceiling(s),Separate/Formal Dining Room,Fireplace,Granite Counters,High Ceilings,Loft,Main Level Primary,Pantry
  • Flooring: Carpet,Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas,Insert
  • Fireplace: Yes
  • Attic: Access Only
  • Finished area below ground: 0
  • Finished area above ground: 4,310

Foyer

  • Level: First

Half Bath

  • Level: First

Heating & Cooling

  • Heating features: Electric,Forced Air,Heat Pump,Natural Gas,Zoned
  • Cooling features: Central Air,Electric,Zoned

Interior Area

  • Total interior livable area: 4,310 sqft

Kitchen

  • Level: First

Master Bedroom

  • Level: First

Office

  • Level: First

Other

  • Level: First

Other

  • Level: Second

Other

  • Level: Third

Property

Details

  • Parcel number: 816659175700000
  • Zoning description: R15

Features

  • Levels: Three Or More
  • Stories: 3
  • Pool features: Fenced,Pool,Community
  • Patio & porch: Rear Porch,Front Porch,Deck,Porch
  • Exterior features: Deck,Porch,Paved Driveway
  • Fencing: None

Lot

  • Lot size: 0.49 Acres
  • Features: Landscaped,Cul-De-Sac

Parking

  • Total spaces: 2
  • Parking features: Attached,Driveway,Garage,Garage Door Opener,Paved,Two Spaces
  • 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

  • Coastal Flooding
    Coastal FloodingModerate
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Coastal Flooding
Drought
Earthquake
Hurricane
Heat Wave
Inland Flooding
Ice Storm
Lightning
Tornado
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 $4,298$51,576
Home Insurance *$279$3,348
Property Taxes $625$7,500
Electricity $415$4,981
Total$5,617$67,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$192,582/yr
40% on housing$168,510/yr
45% on housing$149,786/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: 10.9%
10.9%
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

$197This listing

vs Other Active Listings

Avg $/sqft

ZIP 23836$184
Chesterfield County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 23836$185
Chesterfield County$207

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
2026-04-30Listed for sale$849,999
2005-10-27Sold$80,000

For Sale by Agent

AgentDianne Mann
BrokerageHardy Realty & Auction

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