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317 Cottonwood Ave, Hampton, VA, 23661

6beds
4baths
3,090sqft
$490,000
$159price/sqft
$3,465/moest. monthly cost
$138,600/yrincome needed

About This Home

6 bedrooms in Wythe with solar? That’s not something you see every day. This 3.5-bath home offers an open layout, brand new flooring, and two primary suites—upstairs and down—for ultimate flexibility. Whether it’s guests, in-laws, or just spreading out, this one actually works. Detached garage and energy-saving solar make it as practical as it is spacious. Call now for your own showing!

Getting Around

36
WalkingCar-Dependent
41
TransitSome Transit
41
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2022

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Property

Lot

  • Lot size: 6,098 sqft

Parking

  • Total spaces: 1
  • Parking features: Garage Det 1 Car,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Lightning
Strong Wind
Tsunami

FEMA Declared Disasters Across Virginia Counties

Flood
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 *$295$3,540
Property Taxes $396$4,752
Electricity $297$3,571
Total$3,465$41,580
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$118,800/yr
40% on housing$103,950/yr
45% on housing$92,400/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: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -0.1%
-0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$159This listing

vs Other Active Listings

Avg $/sqft

ZIP 23661$126
Hampton City$145

vs Homes Sold Last Month

Median $/sqft

ZIP 23661$169
Hampton City$180

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

No price history available

For Sale by Agent

AgentRachel Beasley
BrokerageKW Allegiance Shoreline

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