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246 The Cross Rd, Scottsville, VA, 24590

3beds
2baths
1,344sqft
$385,000
$286price/sqft
$2,558/moest. monthly cost
$102,320/yrincome needed

About This Home

Nearly three acres in Fluvanna County is the perfect retreat for professionals in nearby Charlottesville; an alternative to the cost of leasing while on a multi year educational, military and business assignments/training, or your family’s home in the land of pleasant living. With Albemarle residential subdivisions and contemporary amenities developing nearby, this property is a wise investment and FireFlyVa Fiber Optic BroadbandVoIP connected allows for at home remote school or business. This well built home offers mechanical updates, central air/heat, and an economical private water well and septic. You’ll appreciate the construction of hand hewn solid oak framing, hardwood & knotty pine floors atop solid oak sub-floors, knotty pine paneling. The cabinets offer ample storage in the open eat-in kitchen with room for oversized professional appliances to satisfy the chef in you! Pickle stain the knotty pine features any transparent color your heart desires and coordinate counter surfaces to suite your personal tastes! The main level full bath, standard bedroom, and bonus office/nursery/den offers convenient single level living with endless potential for expansion. You’ll have two large bedrooms sharing a 1/2 bath on the upper level for private, peaceful rest, or creativity and business away from daily activity. The full un-finished conditioned basement with interior/exterior ingress/egress, built-in shelving, running hot-cold water sink, and single chimney flu hook-up can support a wood heat/cook stove, garden bounty processing and storage, workshop, and the obvious potential for finishing into a separate living space. An oversized 2-car detached garage with electric permanently sits atop a concrete slab block foundation offering protection for your motor vehicles from harsh elements (add your own charging station). A bonus detached storage shed also on a concrete slab block foundation has a double ceiling once used for smoking wild game, BBQ meats, and preserving garden harvests can easily convert to a pet coop/condo or harvest market. A large covered concrete slab front porch with tongue and groove oak ceiling is perfect for relaxing in the shade; personalize it with ceiling fans & swings for charming comfort. An enclosed light-filled back porch on concrete slab block foundation, boasts a lighted ceiling fan, washer/dryer hookup, and functions as a mud room and extended seasonal dining with easy access to the gently rolling backyard where you’ll enjoy private entertaining, grilling, or family fun. This unique property delights your senses with interior and exterior year round horticultural visual interest. Add veggie and culinary herb gardens for a self-sustaining lifestyle. Situated minutes from walkable downtown Scottsville with local dining, a rich regional history, full resource public library, James River Brewery, River boat and fishing access, and vibrant community arts and entertainment. Just a short drive to eclectic diverse Charlottesville and award winning UVa Healthcare, the Trump Convention Center and several other wineries and less than an hour commute to Short Pump/Richmond. Includes all other structures!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

--
West Central Primary SchoolGrades PK-K10.3 mi
5/10
Fluvanna County High SchoolGrades 8-1210.3 mi
5/10
Central Elementary SchoolGrades PK-210.3 mi

Construction

Condition

  • Year built: 1955

Materials

  • Foundation: Concrete Block
  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Microwave,Range / Oven,Refrigerator

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

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

Features

  • Flooring: Concrete,Hardwood,Linoleum / Vinyl

Heating & Cooling

  • Heating features: Heat pump,Electric,Wood / Pellet
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,344 sqft

Property

Details

  • Parcel number: 36142

Features

  • Exterior features: Other,Shingle,Wood,Composition,Metal
  • Has view: Yes
  • View description: Territorial

Lot

  • Lot size: 2.97 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage - Detached

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
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Drought
Earthquake
Hurricane
Inland Flooding
Lightning

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 $1,946$23,352
Home Insurance *$136$1,632
Property Taxes $274$3,288
Electricity $202$2,433
Total$2,558$30,696
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,702/yr
40% on housing$76,740/yr
45% on housing$68,213/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: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 4.0%
4.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$286This listing

vs Other Active Listings

Avg $/sqft

ZIP 24590$167
Fluvanna County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 24590$241
Fluvanna County$212

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)

No zestimate history available

Price History

DateEventPrice
2026-07-20Price change$385,000
2026-03-19Price change$310,000
2026-03-11Price change$385,000
2026-03-09Price change$551,000
2025-02-24Price change$349,900
2025-02-04Price change$385,000
2024-12-15Price change$325,000
2024-10-29Listed for sale$295,000
2024-09-12Listing removed$310,000
2024-07-18Price change$325,000
2023-05-15Price change$340,000
2023-02-23Price change$350,000
2022-11-11Price change$345,000
2021-04-27Listed for sale$431,000
2021-04-15Listing removed--
2020-07-11Price change$351,000
2019-05-01Price change$253,000
2019-02-07Price change$1,000,100
2019-01-15Price change$1,000,000
2017-11-24Listed for sale$234,000
2017-11-17Listing removed$600
2017-10-28Listed for rent$600

For Sale by Owner

AgentProperty Owner

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