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284 Railroad Ave, Duffield, VA, 24244

3beds
2baths
1,848sqft
$169,000
$91price/sqft
$1,283/moest. monthly cost
$51,320/yrincome needed

About This Home

If you're looking for a unique, one-of-a-kind home or office, look no further than this notable bank in Duffield VA in Scott County. It was the first bank in town and is now converted to residential. Since Citizens Bank of Duffield closed many years ago, the building has been used as a general store, feed store and post office. It was then transformed into a home in the 1970s. There are 3 bedrooms, 1.5 baths, laundry room, dining room, living room with 12 ft ceilings and tons of natural light. The large primary bedroom has a private deck for cozy evenings or morning coffee. If you are a nature enthusiast, there is incredible recreation in the area. Here you'll find the gateway to Natural Tunnel State Park, the Devil's Bathtub, Daniel Boone Wilderness Trail Interpretive Center, plus a myriad of hiking trails, camping, fishing and wildlife watching. The Clinch River offers a variety of activities, including fishing, boating, paddling, hiking, wildlife viewing, kayaking, canoeing, and tubing. Scott County also boasts of hundreds of hidden geocaches and over 150 identified birds. With all the diverse recreation this area offers, this home would make a great Airbnb for all the adventurers and explorers who visit Scott County. It's also conveniently located near shopping and restaurants. Recent updates include a new heat pump in 2024. Check out the virtual staging for inspiration. With all it's historic charm, it would make a great place for offices or unique retail uses. All information taken from third party sources.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

7/10
5/10
Rye Cove High SchoolGrades 8-126.0 mi

Construction

Condition

  • Property condition: Average
  • Year built: 1922

Materials

  • Roof: Metal
  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Bedrooms & Bathrooms

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

Features

  • Laminate Counters
  • Window features: Other
  • Flooring: Carpet,Vinyl

Heating & Cooling

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

Interior Area

  • Total structure area: 1,848
  • Total interior livable area: 1,848 sqft

Property

Details

  • Parcel number: 80a4 119 1a,2b
  • Zoning: Residential

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Back,Covered,Deck
  • Topography of land: Sloped

Lot

  • Lot size: 2,613 sqft
  • Lot size dimensions: 46.44 x 60 x 46.69 x 60

Parking

  • Parking features: Gravel

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 FloodingVery High
  • Landslide
    LandslideRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate

How This Home’s Risks Compare

Inland Flooding
Landslide
Lightning
Strong Wind
Winter Weather
Cold Wave

FEMA Declared Disasters Across Virginia Counties

Flood
Severe Storm
Tornado
Tropical 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 $854$10,248
Home Insurance *$119$1,428
Property Taxes $108$1,296
Electricity $202$2,433
Total$1,283$15,396
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$43,988/yr
40% on housing$38,490/yr
45% on housing$34,213/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: 10.2%
10.2%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 3.9%
3.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$91This listing

vs Other Active Listings

Avg $/sqft

ZIP 24244$132
Scott County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 24244$109
Scott County$104

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
2026-01-29Price change$169,000
2025-11-13Price change$175,000
2025-10-22Price change$180,000
2025-08-20Listed for sale$199,900
2008-10-21Sold$83,400

For Sale by Agent

AgentDebra Kennedy
BrokeragePrestige Homes of the Tri Cities, Inc.

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