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1020 Silver Charm Cir, Suffolk, VA, 23435

3beds
3baths
2,310sqft
$394,000
$171price/sqft
$2,711/moest. monthly cost
$108,440/yrincome needed

About This Home

ABSOLUTELY GORGEOUS HOME READY FOR NEW OWNERS!! THIS HOME IS A PERFECT BLEND OF CONVENIENCE AND COMFORT. THE OPEN FLOOR PLAN FEELS SPACIOUS WITH THE ATTRACTIVE CATHEDRAL CEILING AND ELEGANT CORNER FIREPLACE. THE KITCHEN IS A DREAM WITH PLENTY OF STORAGE AND A BUTLER'S PANTRY. THE BEDROOMS OFFER SPACIOUS CLOSETS AND LOTS OF ROOM. THE PRIMARY BEDROOM IS LARGE AND INCLUDES A GENEROUS WALK IN CLOSET AND EN SUITE WITH DOUBLE SINKS, TUB AND STAND UP SHOWER. ATTACHED TO THE NEIGHBORS ONLY BY A STORAGE SHED, YOU WILL HAVE ALL THE BENEFITS OF A SINGLE FAMILY HOME! LOCATED CLOSE TO SHOPPING, SCHOOLS AND INTERSTATE, THIS ASSOCIATION OFFERS PLENTY OF AMENITIES, TO INCLUDE A POOL, PLAYGROUNDS, EXERCISE ROOM AND MORE. COME SEE!!

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
8/10
5/10

Construction

Condition

  • Year built: 2006

Materials

  • Foundation: Slab
  • Roof: Asphalt Shingle,Metal
  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Range,Refrigerator,Electric Water Heater

Bedrooms & Bathrooms

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

Features

  • Cathedral Ceiling(s),Primary Sink-Double,Walk-In Closet(s),Ceiling Fan(s),Entrance Foyer,Pantry
  • Window features: Window Treatments
  • Flooring: Carpet,Ceramic Tile,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Fireplace Gas-natural
  • Fireplace: Yes
  • Attic: Pull Down Stairs

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,310 sqft

Property

Details

  • Parcel number: 12Q82
  • Attached to another structure: Yes

Features

  • Stories: 2
  • Pool features: None,Association
  • Patio & porch: Patio,Porch
  • Fencing: None
  • Waterfront features: Not Waterfront

Parking

  • Total spaces: 1
  • Parking features: Garage Att 1 Car,Multi Car,Driveway,Garage Door Opener
  • 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

  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Coastal Flooding
Hurricane
Heat Wave
Lightning
Strong Wind
Tornado
Tsunami

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 $1,992$23,904
Home Insurance *$144$1,728
Property Taxes $353$4,236
Electricity $222$2,670
Total$2,711$32,532
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$92,948/yr
40% on housing$81,330/yr
45% on housing$72,293/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: 7.5%
7.5%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 1.9%
1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$171This listing

vs Other Active Listings

Avg $/sqft

ZIP 23435$209
Suffolk City$178

vs Homes Sold Last Month

Median $/sqft

ZIP 23435$206
Suffolk City$194

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

AgentJoy Frazier
BrokerageProdigy Realty

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