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173 Sawgrass Dr, Charles Town, WV, 25414

4beds
3baths
2,650sqft
$489,900
$185price/sqft
$3,897/moest. monthly cost
$155,880/yrincome needed

About This Home

Seller is offering $5,000 in closing cost assistance with an acceptable offer. Welcome to this beautiful home in the desirable golf club community of Locust Hill. Enjoy your morning coffee on your covered front porch which is south facing. The kitchen features new Quartz countertops, Farm style sink and Stainless steel appliances. Off the kitchen is a large screened in porch and lower deck overlooking a serene, wooded backdrop. Spacious level yard for entertaining and family get togethers. Large family room has a woodburning stove and an abundance of natural lighting. Throughout the upper level enjoy no carpet living with LVP flooring in every room. To top it off, this home has been freshly painted throughout. Make your appointment today!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

5/10
3/10
Washington High SchoolGrades 9-122.1 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 2004

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Other

  • Builder model: Essex
  • Builder name: RICHMOND AMERICAN

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Down Draft,Dishwasher,Disposal,Exhaust Fan,Microwave,Self Cleaning Oven,Refrigerator,Water Heater,Gas Water Heater
  • Laundry features: Dryer In Unit,Washer In Unit,Main Level,Laundry Room

Basement

  • Features: Flooring - Concrete
  • Level: Lower

Basement

  • Has basement: Yes
  • Basement: Full,Interior Entry,Exterior Entry,Sump Pump,Unfinished,Walk-Out Access

Bedroom2

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

Bedroom3

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

Bedroom4

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

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Features: Flooring - HardWood
  • Level: Main

Family Room

  • Features: Flooring - Other,Fireplace - Wood Burning
  • Level: Main

Features

  • Attic,Family Room Off Kitchen,Kitchen - Table Space,Kitchen Island,Dining Area,Primary Bath(s),9'+ Ceilings,Vaulted Ceiling(s)
  • Flooring: Bamboo,Hardwood,Luxury Vinyl,Wood
  • Number of fireplaces: 1
  • Fireplace features: Equipment,Mantel(s),Heatilator,Flue for Stove,Wood Burning Stove
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,650

Foyer

  • Features: Flooring - HardWood
  • Level: Main

Heating & Cooling

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

Interior Area

  • Total structure area: 2,650
  • Total interior livable area: 2,650 sqft

Kitchen

  • Features: Flooring - HardWood
  • Level: Main

Laundry

  • Features: Flooring - Vinyl
  • Level: Main

Living Room

  • Features: Flooring - HardWood
  • Level: Main

Primary Bedroom

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

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 02 13A047300000000
  • Zoning: 101
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None

Lot

  • Lot size: 0.48 Acres
  • Features: Backs to Trees

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener,Attached
  • 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

  • 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 $2,477$29,724
Home Insurance *$168$2,016
Property Taxes $978$11,736
Electricity $274$3,294
Total$3,897$46,764
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$133,611/yr
40% on housing$116,910/yr
45% on housing$103,920/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

$185This listing

vs Other Active Listings

Avg $/sqft

ZIP 25414$202
Jefferson County$202

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
2026-08-13Price change$479,900
2026-06-27Listed for sale$489,900
2021-03-24Listing removed--
2017-08-22Listing removed$1,875
2017-07-05Listed for rent$1,875
2016-03-30Listing removed$1,825
2015-12-22Listed for rent$1,825

For Sale by Agent

AgentAmy Mininberg
BrokerageSamson Properties

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