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10700 Sterling Cove Dr, Chesterfield, VA, 23838

4beds
4baths
3,118sqft
$614,950
$197price/sqft
$4,045/moest. monthly cost
$161,800/yrincome needed

About This Home

Welcome to this beautifully maintained 4-bedroom, 3.5-bath home offering 3,118 sq ft and 4 car garage on a private 2.48-acre lot in the desirable The Highlands community. Featuring a brick foundation, vinyl siding, dimensional roof with gutters, fresh interior paint, and a tall crawl space for added storage, this home offers quality and comfort. The main level features HARDWOOD FLOORS throughout most of the first floor and an OPEN LAYOUT connecting the family room, kitchen, and morning room. The family room offers a gas fireplace with mantel, triple windows, and ceiling fan. The kitchen features granite countertops, stainless steel appliances, gas cooking, island, tile backsplash, pantry, garden window, built-in desk, and recessed lighting. The formal dining room with crown molding, chair rail, and wainscoting also makes an ideal office or flex space. A welcoming foyer, half bath, and laundry room with utility sink complete the first floor. SECOND FLOOR SPACIOUS PRIMARY SUITE includes a walk-in closet and en-suite bath with double vanity, jetted tub, and separate shower. Three additional bedrooms share a hall bath with double vanities. The FINISHED THIRD FLOOR offers excellent flex space with a full en-suite bath, skylights, closet, and attic storage. Enjoy the large FENCED IN BACKYARD with a NEWER BRICK PATIO (2021) and deck with storage underneath. Additional highlights include a front country porch, ATTACHED TWO CAR GARAGE with double-width paved driveway, PLUS A 27' x 23' DETACHED TWO CAR GARAGE (2020) with mini-split—perfect for a workshop or hobby space. Home is wired for security. NEWER ROOF is 2017 so that would be low maintenance for years to come. Conveniently located near NEIGHBORHOOD RESTAURANT, schools, shopping, entertainment, and highways, with NEIGHBORHOOD AMENITIES including golf, tennis, pickleball, pool, clubhouse, fitness center, walking trails, and playground. You don't want to miss this one!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

7/10
4/10
Matoaca Middle SchoolGrades 6-86.5 mi
4/10
Matoaca High SchoolGrades 9-125.1 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2003

Materials

  • Construction materials: Brick,Drywall,Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Cooking,Gas Water Heater,Microwave,Oven,Refrigerator
  • Laundry features: Washer Hookup,Dryer Hookup

Basement

  • Basement: Crawl Space

Bedroom2

  • Level: Second
  • Dimensions: 13.5 x 21.2

Bedroom3

  • Level: Second
  • Dimensions: 11.8 x 15.4

Bedroom4

  • Level: Second
  • Dimensions: 11.4 x 14.3

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Dimensions: 11.2 x 12.10

Family Room

  • Level: First
  • Dimensions: 23.4 x 18.11

Features

  • Breakfast Area,Ceiling Fan(s),Dining Area,Separate/Formal Dining Room,Double Vanity,Eat-in Kitchen,Fireplace,Granite Counters,Jetted Tub,Kitchen Island,Bath in Primary Bedroom,Pantry,Recessed Lighting,Skylights,Walk-In Closet(s)
  • Window features: Skylight(s)
  • Flooring: Carpet,Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Attic: Finished
  • Finished area below ground: 0
  • Finished area above ground: 3,118

Foyer

  • Level: First
  • Dimensions: 14.8 x 16.9

Half Bath

  • Level: First

Heating & Cooling

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

Interior Area

  • Total interior livable area: 3,118 sqft

Kitchen

  • Level: First
  • Dimensions: 12.0 x 18.11

Laundry

  • Level: First
  • Dimensions: 7.7 x 5.8

Master Bedroom

  • Level: Second
  • Dimensions: 17.5 x 15.4

Other

  • Level: Second

Other

  • Level: Third

Recreation

  • Level: Third
  • Dimensions: 29.4 x 16.5

Sitting Room

  • Level: First
  • Dimensions: 10.3 x 16.3

Property

Details

  • Parcel number: 769649767500000
  • Zoning description: R25

Features

  • Levels: Two and One Half
  • Stories: 2
  • Pool features: Community,Pool
  • Patio & porch: Front Porch,Deck,Porch
  • Exterior features: Deck,Porch,Paved Driveway
  • Has spa: Yes
  • Fencing: Back Yard,Fenced

Lot

  • Lot size: 2.48 Acres

Parking

  • Total spaces: 4
  • Parking features: Attached,Driveway,Detached,Garage,Oversized,Paved
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • 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

  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Drought
Heat Wave
Inland Flooding
Ice Storm
Lightning
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 $3,109$37,308
Home Insurance *$184$2,208
Property Taxes $452$5,424
Electricity $300$3,603
Total$4,045$48,540
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$138,685/yr
40% on housing$121,350/yr
45% on housing$107,866/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 23838$215
Chesterfield County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 23838$206
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
2026-08-11Price change$614,900
2026-07-23Price change$614,950
2026-07-08Listed for sale$624,950
2019-08-15Sold$370,000
2019-05-20Listed for sale$375,000
2013-03-20Sold$292,000
2012-11-15Listing removed$309,000
2012-10-16Listed for sale$309,000
2003-11-03Sold$278,500

For Sale by Agent

AgentKaitlyn Gwaltney
BrokerageHometown Realty

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