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422 Sawgrass Dr, Charles Town, WV, 25414

6beds
5baths
4,607sqft
$599,900
$130price/sqft
$4,275/moest. monthly cost
$171,000/yrincome needed

About This Home

Thoughtfully upgraded with comfort and efficiency in mind, this smart home sits on nearly half an acre in the sought-after Locust Hill community. Featuring a top-of-the-line Trane HVAC system, LED lighting throughout, a recently serviced fireplace, a new smart oven, new washer and dryer, and a new garage door opener, this move-in-ready home delivers modern convenience, exceptional energy efficiency, and lasting value. For added peace of mind, the home is equipped with a new Basement Watchdog Wi-Fi connected sump pump battery backup and monitoring system, so you can travel or leave home knowing you're protected even during power outages.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

5/10
3/10
Washington High SchoolGrades 9-122.3 mi

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Permanent
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Water Heater

Basement

  • Area: 1200

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 3
  • 1/2 bathrooms: 2
  • Main level bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas/Propane
  • Fireplace: Yes
  • Finished area below ground: 1,200
  • Finished area above ground: 3,407

Heating & Cooling

  • Heating features: Forced Air,Electric,Propane
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 4,607
  • Total interior livable area: 4,607 sqft

Property

Accessibility

  • Accessibility features: 2+ Access Exits

Details

  • Parcel number: 1902013A051300000000
  • Zoning: 101
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 0.48 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Attached,Driveway
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Winter Weather
Drought
Hail
Heat Wave
Lightning
Tornado

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 $3,033$36,396
Home Insurance *$206$2,472
Property Taxes $559$6,708
Electricity $477$5,727
Total$4,275$51,300
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$146,571/yr
40% on housing$128,250/yr
45% on housing$114,000/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: 6.4%
6.4%
0%30.0%
Electricity Growth Rate10-year average: 8.0%
8.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.3%
0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$130This listing

vs Other Active Listings

Avg $/sqft

ZIP 25414$204
Jefferson County$203

vs Homes Sold Last Month

Median $/sqft

ZIP 25414$178
Jefferson County$179

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
2026-08-03Price change$599,900
2026-07-08Listed for sale$619,900
2024-04-15Sold$515,000
2024-03-11Pending sale$499,000
2024-03-08Listed for sale$499,000
2021-05-24Sold$436,000
2021-04-03Pending sale$429,900
2021-04-01Listed for sale$429,900

For Sale by Agent

AgentJames Smith
BrokerageBurch Real Estate Group, LLC

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