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42245 Black Rock Ter, Aldie, VA, 20105

2beds
3baths
1,266sqft
$399,900
$316price/sqft
$2,544/moest. monthly cost
$101,760/yrincome needed

About This Home

***$13,000 credit to Buyer*** **Welcome to this beautifully maintained two-bedroom, 2.5-bath home offering a thoughtfully designed layout, inviting living spaces, and charming indoor-outdoor living areas throughout. From the moment you step inside, you’ll appreciate the warm hardwood flooring, natural flow, and comfortable feel that make this home ideal for both everyday living and entertaining. The main level features a spacious family room, creating the perfect setting for relaxing evenings or gathering with guests. The open-concept design flows seamlessly into the dining area and kitchen, where you’ll find stainless steel appliances, abundant cabinet space, and a functional layout that keeps everyone connected. A convenient half bath and direct access to the attached one-car garage add to the home’s practicality and ease of living. Upstairs, a versatile loft-style living area provides additional flex space ideal for a second family room, home office, reading nook, or entertainment area. Sliding glass doors lead to an expansive covered balcony, offering a private outdoor retreat perfect for morning coffee, evening relaxation, or hosting friends and family. An attached storage shed provides even more convenience for seasonal items and outdoor essentials. The spacious primary suite serves as a comfortable retreat with an updated private bathroom featuring a new vanity, tile flooring, and a beautifully designed walk-in tile shower. A generously sized secondary bedroom, full hall bathroom, and dedicated laundry area complete the upper level. Blending comfort, functionality, and inviting living spaces, this home offers a unique layout with flexible areas both inside and out. Fireplace being offered as is due to little use by seller. Don't miss out- schedule your showing today!!

Getting Around

49
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

8/10
Arcola Elementary SchoolGrades PK-51.0 mi
8/10
Mercer Middle SchoolGrades 6-80.6 mi
9/10
John Champe High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Other
  • Construction materials: Combination,Brick

Other

  • Builder model: GEORGETOWN

Type & Style

  • Home type: Townhouse
  • Architectural style: Traditional
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Ice Maker,Microwave,Refrigerator,Washer,Cooktop,Electric Water Heater
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

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

Den

  • Level: Unspecified

Features

  • Combination Dining/Living,Breakfast Area,Primary Bath(s),Open Floorplan
  • Window features: Window Treatments
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,266

Heating & Cooling

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

Interior Area

  • Total structure area: 1,266
  • Total interior livable area: 1,266 sqft

Laundry

  • Level: Unspecified

Property

Accessibility

  • Accessibility features: Other

Details

  • Parcel number: 204194871005
  • Zoning: R16
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community

Parking

  • Total spaces: 1
  • Parking features: Other,Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
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 $2,022$24,264
Home Insurance *$52$624
Property Taxes $268$3,216
Electricity $202$2,433
Total$2,544$30,528
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,222/yr
40% on housing$76,320/yr
45% on housing$67,840/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: 10.8%
10.8%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$316This listing

vs Other Active Listings

Avg $/sqft

ZIP 20105$372
Loudoun County$304

vs Homes Sold Last Month

Median $/sqft

ZIP 20105$281
Loudoun County$270

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
2026-07-21Listed for sale$399,900
2026-07-17Pending sale$399,900
2026-06-19Price change$399,900
2026-05-28Listed for sale$410,000
2016-11-22Sold$257,500
2014-07-11Sold$239,800
2014-04-25Listed for sale$245,000
2008-08-07Sold$229,000
2004-07-13Sold$29,094

For Sale by Agent

AgentNathan Johnson
BrokerageKeller Williams Capital Properties

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