See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

1637 Gardners Rd, Mineral, VA, 23117

3beds
2baths
1,300sqft
$335,000
$258price/sqft
$2,293/moest. monthly cost
$91,720/yrincome needed

About This Home

Nestled on a tranquil 3-acre lot in beautiful Louisa County, this updated 3-bedroom, 2-bathroom gem perfectly balances peaceful living with convenience. Just minutes from I-64 and Short Pump, this property offers the privacy you crave without giving up easy access to modern amenities. A circular driveway, carport, and ramped entrance make coming home a breeze. Step inside to discover a warm and inviting family room, complete with gleaming hardwood floors and a large picture window that bathes the space in natural light. The open flow leads to a charming dining area, where sliding doors invite you out to a spacious back deck overlooking a serene wooded backyard. The kitchen is a chef’s delight, featuring ample cabinetry, brand-new appliances, and plenty of room to whip up your favorite meals. The thoughtfully designed split-bedroom layout ensures privacy, with two cozy bedrooms and a shared bath on one side, and the primary suite tucked away at the back of the home. The primary bedroom boasts its own ensuite bathroom, creating a peaceful retreat. Outdoor living is just as appealing, with a generous deck perfect for entertaining or simply enjoying the view of the surrounding hardwood forest. The fully fenced backyard is ideal for pets or play, while the storage shed and carport provide plenty of options for keeping your tools and toys organized.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

9/10
Jouett Elementary SchoolGrades PK-52.7 mi
7/10
6/10
Louisa County High SchoolGrades 9-1210.9 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1994

Materials

  • Roof: Composition
  • Construction materials: Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Water Heater,Microwave,Oven,Refrigerator,Washer

Basement

  • Basement: Crawl Space

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Bedroom on Main Level,Dining Area,Laminate Counters,Main Level Primary
  • Flooring: Carpet,Wood
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 1,300

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 1,300 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Other

  • Level: First

Property

Details

  • Parcel number: 91143
  • Zoning description: A2

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Exterior features: Storage,Shed,Unpaved Driveway
  • Fencing: Back Yard,Chain Link
  • Residential vegetation: Mixed

Lot

  • Lot size: 3.06 Acres
  • Features: Rolling Slope

Parking

  • Parking features: Circular Driveway,Carport,Driveway,Unpaved
  • Has uncovered spaces: Yes
  • Carport: 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
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Hurricane
    HurricaneModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Drought
Earthquake
Hurricane
Tornado

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 $1,693$20,316
Home Insurance *$141$1,692
Property Taxes $257$3,084
Electricity $202$2,433
Total$2,293$27,516
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,617/yr
40% on housing$68,790/yr
45% on housing$61,146/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: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 2.6%
2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$258This listing

vs Other Active Listings

Avg $/sqft

ZIP 23117$264
Louisa County$242

vs Homes Sold Last Month

Median $/sqft

ZIP 23117
Louisa County$243

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
2026-08-06Price change$325,000
2026-07-01Price change$335,000
2026-05-21Listed for sale$345,000
2026-05-12Listing removed$350,000
2026-04-16Pending sale$350,000
2026-04-11Price change$350,000
2026-03-24Price change$360,000
2026-02-19Listed for sale$365,000
2006-05-17Sold$184,950

For Sale by Agent

AgentCatherine Morphis
BrokerageCompass

Similar Homes