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1107 Myrtle St, Charlottesville, VA, 22902

2beds
3baths
1,392sqft
$499,000
$358price/sqft
$3,279/moest. monthly cost
$131,160/yrincome needed

About This Home

Tastefully renovated, 1925 Belmont farmhouse just 2 blocks from the heart of Belmont! This beautifully updated home offers turnkey living in a prime Charlottesville location. Original heart pine floors catch the eye as you enter. Timeless Schoolhouse lighting fixtures offer a modern feel with a classic look. The main level features graciously sized living and dining rooms, a freshly redesigned kitchen, mudroom, and powder room. Upstairs find a brand new primary suite with walk in closet and new bathroom with double vanity and walk-in shower along with a second bedroom and full bath. Outside offers to large porches for entertaining and a fully fenced year including privacy fence in the rear for privacy. Totally turnkey and ready for you to call home!

Getting Around

84
WalkingVery Walkable
43
TransitSome Transit
65
BikeBikeable

Schools

1/10
Clark Elementary SchoolGrades PK-40.2 mi
3/10
Buford Middle SchoolGrades 7-81.5 mi
5/10

Construction

Condition

  • Year built: 1925

Materials

  • Foundation: Brick/Mortar
  • Roof: Metal,Other
  • Construction materials: Stick Built,Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Gas Range,Microwave,Refrigerator,Dryer,Washer

Basement

  • Basement: Crawl Space

Bathroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Entrance Foyer,Mud Room
  • Window features: Vinyl
  • Flooring: Ceramic Tile,Hardwood,Luxury Vinyl Plank
  • Finished area below ground: 0
  • Finished area above ground: 1,392

Foyer

  • Level: First

Half Bath

  • Level: First

Heating & Cooling

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

Interior Area

  • Total structure area: 1,392
  • Total interior livable area: 1,392 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bathroom

  • Level: Second

Master Bedroom

  • Level: Second

Mud Room

  • Level: First

Property

Details

  • Parcel number: 570136000
  • Zoning description: R Residential

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Rear Porch,Front Porch,Porch
  • Exterior features: Fully Fenced
  • Fencing: Fenced,Full

Lot

  • Lot size: 3,920 sqft

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

  • Strong Wind
    Strong WindRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Heat Wave
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 $2,523$30,276
Home Insurance *$141$1,692
Property Taxes $413$4,956
Electricity $202$2,433
Total$3,279$39,348
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,422/yr
40% on housing$98,370/yr
45% on housing$87,440/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: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 4.1%
4.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$358This listing

vs Other Active Listings

Avg $/sqft

ZIP 22902$252
Charlottesville City$249

vs Homes Sold Last Month

Median $/sqft

ZIP 22902$276
Charlottesville City$427

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
2026-05-01Price change$525,000
2026-04-21Pending sale$549,000
2026-03-19Price change$549,000
2026-03-05Pending sale$565,000
2026-01-12Price change$565,000
2025-12-03Listed for sale$575,000
1999-06-21Sold$66,040
1987-06-26Sold$62,000

For Sale by Agent

AgentJEFF MATTIE
BrokerageCORE REAL ESTATE PARTNERS LLC

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