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343 Albany St, Fredericksburg, VA, 22407

3beds
1baths
1,040sqft
$339,000
$326price/sqft
$2,219/moest. monthly cost
$88,760/yrincome needed

About This Home

Welcome home to this maintained 3-bedroom, 1-bath rambler offering comfortable one-level living in an established neighborhood with no HOA. Thoughtfully designed with a mobility-friendly front porch. Inside, you'll find Lvp flooring throughout the public areas and carpet in the bedrooms. The kitchen featuring stainless steel appliances and a charming kitchen window overlooks the backyard, filling the space with natural light while providing a peaceful view. Just off the kitchen is the dining area and laundry with shelving which provide some extra space for pantry items. Step outside to enjoy the spacious, fully fenced backyard where mature trees create a shaded, low-maintenance outdoor retreat. Whether you're entertaining, gardening, or simply relaxing, this backyard offers plenty of room to enjoy. Conveniently located just minutes from Route 3, shopping, dining, and everyday amenities, this home combines comfort with an excellent location. Perfect for first-time homebuyers, someone downsizing, anyone seeking easy one-level living, this charming rambler is ready to welcome its next owner.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

2/10
3/10
Chancellor Middle SchoolGrades 6-80.3 mi
3/10
Chancellor High SchoolGrades 9-120.3 mi

Construction

Condition

  • Year built: 1986

Materials

  • Foundation: Crawl Space
  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Other

Bathroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 3

Dining Room

  • Features: Flooring - Luxury Vinyl Plank
  • Level: Main

Features

  • Finished area above ground: 1,040

Heating & Cooling

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

Interior Area

  • Total structure area: 1,040
  • Total interior livable area: 1,040 sqft

Kitchen

  • Features: Flooring - Luxury Vinyl Plank,Kitchen - Electric Cooking,Eat-in Kitchen
  • Level: Main

Living Room

  • Features: Flooring - Luxury Vinyl Plank
  • Level: Main

Primary Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: Accessible Hallway(s)

Details

  • Parcel number: 22A25293
  • Zoning: R1
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Deck,Porch

Lot

  • Lot size: 0.30 Acres

Parking

  • Parking features: Driveway,On Street
  • 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

  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
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 $1,714$20,568
Home Insurance *$99$1,188
Property Taxes $204$2,448
Electricity $202$2,433
Total$2,219$26,628
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,080/yr
40% on housing$66,570/yr
45% on housing$59,173/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$326This listing

vs Other Active Listings

Avg $/sqft

ZIP 22407$204
Spotsylvania County$205

vs Homes Sold Last Month

Median $/sqft

ZIP 22407$217
Spotsylvania County$205

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
2026-08-06Pending sale$339,000
2026-07-09Listed for sale$339,000
2022-09-16Sold$300,000
2022-08-15Pending sale$299,000
2022-07-26Listed for sale$299,000
2021-05-17Sold$251,000
2021-04-09Pending sale$235,000
2021-04-06Listed for sale$235,000
2015-05-16Listing removed$149,900
2015-05-02Price change$149,900
2015-04-15Price change$159,430
2015-03-28Listed for sale$149,900
2006-01-09Sold$230,000

For Sale by Agent

AgentKimberly Inge
BrokerageCENTURY 21 New Millennium

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