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103 Cygnet Cir, Forest, VA, 24551

5beds
4baths
3,658sqft
$549,900
$150price/sqft
$3,446/moest. monthly cost
$137,840/yrincome needed

About This Home

Welcome to 103 Cygnet Circle in Forest Lakes! This beautifully updated 5-bedroom, 3.5-bath home features fresh paint, new carpet, and is move-in ready. The main level offers a welcoming foyer, formal dining room, spacious kitchen, sunny breakfast area with a bay window, large living room filled with natural light, and an additional sitting room. Upstairs, you'll find the primary suite with a private bath, plus three additional bedrooms and a full bathroom. The finished lower level is perfect for entertaining, complete with new LVP flooring, a generous bonus room, fifth bedroom, and full bath. The roof and HVAC have been replaced in recent years for added peace of mind. Schedule your private showing today before this one is gone!

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

9/10
Forest Elementary SchoolGrades PK-52.6 mi
9/10
Forest Middle SchoolGrades 6-82.8 mi
7/10

Construction

Condition

  • Year built: 1994

Materials

  • Roof: Shingle
  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Electric Range,Refrigerator,Washer,Electric Water Heater
  • Laundry features: Dryer Hookup,Laundry Closet,Main Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Finished,Walk-Out Access

Bedroom2

  • Level: Second
  • Area: 210

Bedroom3

  • Level: Second
  • Area: 120

Bedroom4

  • Level: Second
  • Area: 120

Bedroom5

  • Level: Below Grade
  • Area: 221

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Level: First
  • Area: 182

Family Room

  • Area: 0

Features

  • Ceiling Fan(s),Drywall,Soaking Tub,Primary Bed w/Bath,Separate Dining Room
  • Window features: Insulated Windows
  • Flooring: Carpet,Ceramic Tile,Laminate,Vinyl Plank
  • Number of fireplaces: 2
  • Fireplace features: 2 Fireplaces,Living Room,Basement
  • Fireplace: Yes
  • Attic: Other
  • Finished area below ground: 1,114
  • Finished area above ground: 2,544

Great Room

  • Area: 0

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 3,658
  • Total interior livable area: 3,658 sqft

Kitchen

  • Level: First
  • Area: 182

Living Room

  • Level: First
  • Area: 375

Master Bedroom

  • Level: Second
  • Area: 225

Office

  • Area: 0

Property

Details

  • Parcel number: 10003820

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Front Porch
  • Has spa: Yes
  • Spa features: Bath

Lot

  • Lot size: 0.70 Acres
  • Features: Landscaped,Undergrnd Utilities

Parking

  • Parking features: Off Street,Concrete Drive
  • 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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Inland Flooding
Winter Weather

FEMA Declared Disasters Across Virginia Counties

Flood
Severe Storm
Tornado
Tropical 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 $2,780$33,360
Home Insurance *$136$1,632
Property Taxes $178$2,136
Electricity $352$4,228
Total$3,446$41,352
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$118,148/yr
40% on housing$103,380/yr
45% on housing$91,893/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: 11.3%
11.3%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -1.5%
-1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$150This listing

vs Other Active Listings

Avg $/sqft

ZIP 24551$180
Bedford County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 24551$179
Bedford County$181

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$549,900
2026-06-15Sold$478,300

For Sale by Agent

AgentIan Smith
BrokerageLegacy Realty

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