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15206 Blackrail Rd, Chesterfield, VA, 23832

5beds
4baths
4,200sqft
$695,500
$166price/sqft
$4,640/moest. monthly cost
$185,600/yrincome needed

About This Home

PRICED BELOW APPRAISED VALUE FOR INSTANT EQUITY. Appraised for $749,950 in April 2026. Craftsman Elegance Meets Multi-Generational Luxury in Harpers Mill! This home spans three finished levels of thoughtfully curated living space, designed to adapt to your lifestyle. The main level shines with 9ft+ ceilings, rich wood flooring, fresh paint, and a stacked-stone gas fireplace, mirroring the home’s striking exterior. The kitchen features a massive island, soft-close cabinets, pantry, and stainless appliances. Sliding glass doors lead to your deck, overlooking the professionally hardscaped backyard, complete with fire pit for summer nights. A rare first-floor bedroom and full bath offer the perfect setup for guests or main-level living. The second floor is anchored by a versatile loft, but the true crown jewel is the Primary Suite. This massive retreat boasts a tray ceiling and a grand archway leading to a private sitting room—ideal for a nursery, library, or office. The en-suite is extremely spacious, featuring double sinks, water closet, new sliding glass door on the tiled shower, linen closet, and generous walk-in closet. Two additional bedrooms are joined by a clever Jack & Jill bath, featuring private vanities for each room. New carpet throughout! The finished lower level is a destination of its own. Complete with a bedroom, full bath, spacious rec room and game room, it serves as a premier secondary living suite or generational living space. Bonus: Included hardwired surround sound speakers in the basement & Sonos speaker system throughout the other two levels. Step outside to the covered patio to enjoy your wooded, park-like backyard—a peaceful escape for morning coffee or evening cocktails. Well-maintained, tastefully updated, and located in an award-winning community. Space, style, and serenity—this one has it all.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

6/10
4/10
9/10
Cosby High SchoolGrades 9-121.3 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2015

Materials

  • Roof: Asphalt
  • Construction materials: Brick,Block,Drywall,Stone,Vinyl Siding

Type & Style

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

Interior

Additional Room

  • Level: Second

Additional Room

  • Level: Basement

Appliances

  • Appliances included: Dishwasher,Electric Cooking,Electric Water Heater,Disposal,Microwave,Oven,Refrigerator
  • Laundry features: Washer Hookup,Dryer Hookup

Basement

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

Bedroom2

  • Level: First

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedroom5

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Bedroom on Main Level,Tray Ceiling(s),Ceiling Fan(s),Separate/Formal Dining Room,Double Vanity,Eat-in Kitchen,Fireplace,Granite Counters,High Ceilings,Kitchen Island,Loft,Bath in Primary Bedroom,Pantry,Recessed Lighting,Walk-In Closet(s)
  • Door features: Insulated Doors,Sliding Doors
  • Flooring: Ceramic Tile,Partially Carpeted,Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas,Stone
  • Fireplace: Yes
  • Attic: Access Only
  • Finished area below ground: 1,152
  • Finished area above ground: 3,048

Heating & Cooling

  • Heating features: Electric,Heat Pump,Zoned
  • Cooling features: Heat Pump

Interior Area

  • Total interior livable area: 4,200 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Laundry

  • Level: Second

Living Room

  • Level: First

Master Bedroom

  • Level: Second

Other

  • Level: Basement

Other

  • Level: First

Other

  • Level: Second

Recreation

  • Level: Basement

Property

Details

  • Parcel number: 718666252700000
  • Zoning description: R12

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Pool,Community
  • Patio & porch: Front Porch,Patio,Deck
  • Exterior features: Deck,Sprinkler/Irrigation,Lighting,Paved Driveway
  • Fencing: Back Yard,Fenced,Partial

Lot

  • Lot size: 0.28 Acres
  • Features: Landscaped,Cul-De-Sac

Parking

  • Total spaces: 2
  • Parking features: Attached,Driveway,Garage,Garage Door Opener,Paved
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Heat Wave
Ice Storm
Lightning
Strong Wind
Tornado
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 $3,516$42,192
Home Insurance *$208$2,496
Property Taxes $512$6,144
Electricity $404$4,854
Total$4,640$55,680
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$159,085/yr
40% on housing$139,200/yr
45% on housing$123,733/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: 10.9%
10.9%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 2.0%
2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$166This listing

vs Other Active Listings

Avg $/sqft

ZIP 23832$195
Chesterfield County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 23832$206
Chesterfield County$207

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
2026-04-24Price change$695,500
2026-04-01Listed for sale$750,000
2026-03-05Listing removed$765,000
2026-02-13Price change$765,000
2026-01-30Listed for sale$775,000
2025-12-27Listing removed$775,000
2025-09-26Listed for sale$775,000
2025-09-22Listing removed$785,000
2025-09-07Listed for sale$785,000
2016-02-18Listing removed$338,990
2016-02-16Listed for sale$338,990
2015-12-16Sold$382,395
2014-04-10Sold$850,000
2009-08-09Listing removed$234,900
2009-07-20Listed for sale$234,900

For Sale by Agent

AgentPhilip Gee
BrokerageLong & Foster REALTORS

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