5297 Peaks Rd · Bedford, VA 24523

$219,500

3 bd · 2.0 ba · 1,272 sqft · SingleFamily public records · 235 Days on market

Built 1900 10,454 sqft lot $173/sqft · 20% above area Est $242k · 9% under

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Why this score? — see what drove the D grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• ARV discount +11.7/15.0
• Cash flow +10.4/30.0
• Schools +5.5/10.0
• Livability +3.7/5.0
• DSCR +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

COMES FULLY FURNISHED! Welcome to the Cabin at Kelso Mill, historically known as the St. Clair House. Step back in time to when life was simple, and worries were few. This 3-Bedroom, 2-Bath home offers a splendid blast-to-the-past experience where important treasures are preserved, such as original hardwood floors and finished carpentry, stained glass windows, a wood-burning stove - a pure salute to the good old days. This enchanting home comes fully furnished with everything you see inside. The master bedroom and bathroom are to your right as you enter. Ascend the wooden spiral staircase to your left, and you will find a delightful loft and sitting room with a second bedroom. Downstairs to the back of the house is the second bathroom, which is separated into 2 rooms, and decorated as a bedroom/bathroom combo (see floor plan). Beautifully updated to meet modern necessities, the home has a new HVAC system, new range/oven, fully stocked kitchen with new floor, new well pump and new washer & dryer. Wi-Fi and cable ready, you will enjoy feeling connected and unplugged at the same time. Take a stroll to Stony Creek and skip stones on the water, then watch fireflies light up the garden from the back deck. Truly peaceful and serene, the whole family will love it here! Fully furnished and tastefully appointed - this charming home is move-in ready! Hardware store, hiking, orchards and wineries nearby. 8 minutes to Peaks of Otter Lodge; 8 minutes to downtown shops and restaurants. Convenient to Lynchburg and Roanoke. Come and Enjoy the Quiet, Country Life!

Key facts

• Finished carpentry
• Wood burning stove
• New hvac system

Tags

• ORIGINAL HARDWOOD FLOORS
• FINISHED CARPENTRY
• STAINED GLASS WINDOWS
• WOOD BURNING STOVE
• WOODEN SPIRAL STAIRCASE
• NEW HVAC SYSTEM

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $220k.

Deal economics

• At list price, monthly cash flow is $-115 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $199k (9.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $148k (32.5% below list).
• Recommended offer: $148k (32.5% below list) — sets the bar for 1% rule.
• Cap rate 5.7% vs local median 3.2% in Bedford — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 74/100 on livability (#137 in VA, #4,371 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A-; Watch: amenities F, commute F, employment D-.
• Bedford County Public School District (rural): math 55% / reading 73% proficiency, ranked #41 of 131 in VA (top 31%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Big Island Elementary (math 74% / reading 74%, grade A, #220 of 1,108 statewide, top 22%, 149 students, 69% FRL); Liberty Middle (math 49% / reading 67%, grade B, #174 of 342 statewide, top 51%, 535 students, 86% FRL); Liberty High (math 41% / reading 68%, grade C-, #281 of 319 statewide, top 90%, 726 students, 69% FRL) — zoned schools average 75% FRL vs 30% district-wide (45 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 239 active listings in the ZIP; 294 units permitted in Bedford County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Bedford County population projected at +8% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 235 days — a 12% lower offer ($193k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 8y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $175k; 25% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate flood risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $148,070 (32.5% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 235 days. Have you received any prior offers? Is the seller open to a 33% concession, seller financing, or rate buy-down credit?
3. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
9. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
10. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.67% ✗
• Cap rate: 5.66%
• Cash-on-cash: -2.25%
• DSCR: 0.90
• GRM: 12.4

CMA / ARV

• ARV (median comp): $242,163
• List price: $219,500
• Delta: -9.36%
• Verdict: FAIR
• Comps: 8 within 2.0 mi

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -20.1%
• Equity multiple: 0.30×
• Total profit: $-43,042
• Equity at exit: $32,728

10-year hold

• IRR: -13.3%
• Equity multiple: 0.23×
• Total profit: $-47,437
• Equity at exit: $18,978

Cash invested: $61,460 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 55 Moderately Landlord-Leaning
• State Virginia: 55 Moderately Landlord-Leaning · D+2
• County: — inherits STATE
• City: — inherits STATE

VRLTA gives some tenant protections; Northern Virginia courts slower; rural VA landlord-leaning.

Methodology + full state rankings →

ZIP-level market 24523

• Home prices YoY: -31.0%
• Active inventory: 239
• Price-to-rent: 12.4×

Monthly cashflow live

• Estimated rent: $1,481 medium
• Mortgage (P&I): −$1,151
• Tax from tax record: −$43 /mo · $512/yr
• Insurance: −$91
• HOA: −$0
• Vacancy / Maint / Mgmt: −$311
• Net cashflow: $-115

Break-even live

Break-even rent $1,627

Max offer price $199,103

Occupancy floor —

Sensitivity live

Price	-10% $9	-5% $-53	+0% $-115	+5% $-178	+10% $-240
Rent	-10% $-232	-5% $-174	+0% $-115	+5% $-57	+10% $2
Rate	-1.0pp $-5	-0.5pp $-60	base $-115	+0.5pp $-172	+1.0pp $-230

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $54,875
• Closing costs: $6,585
• Reserves months: —
• Total cash needed: —

Listing history 34 events

1. 2026-06-22
   days on market $219,500 Active 235 DOM
2. 2026-06-19
   days on market $219,500 Active 233 DOM
3. 2026-06-18
   days on market $219,500 Active 232 DOM
4. 2026-06-17
   days on market $219,500 Active 231 DOM
5. 2026-06-16
   days on market $219,500 Active 230 DOM
6. 2026-06-15
   days on market $219,500 Active 229 DOM
7. 2026-06-14
   days on market $219,500 Active 227 DOM
8. 2026-06-13
   pricedays on market $219,500 Active 226 DOM
9. 2026-06-10
   days on market $224,500 Active 224 DOM
10. 2026-06-09
    days on market $224,500 Active 223 DOM
11. 2026-06-08
    days on market $224,500 Active 222 DOM
12. 2026-06-07
    days on market $224,500 Active 221 DOM
13. 2026-06-05
    days on market $224,500 Active 218 DOM
14. 2026-06-03
    days on market $224,500 Active 217 DOM
15. 2026-06-02
    days on market $224,500 Active 216 DOM
16. 2026-06-01
    days on market $224,500 Active 215 DOM
17. 2026-05-31
    days on market $224,500 Active 214 DOM
18. 2026-05-30
    days on market $224,500 Active 213 DOM
19. 2026-04-01
    price $224,500 1578-char remark

    Show marketing remark (1578 chars)

    COMES FULLY FURNISHED! Welcome to the Cabin at Kelso Mill, historically known as the St. Clair House. Step back in time to when life was simple, and worries were few. This 3-Bedroom, 2-Bath home offers a splendid blast-to-the-past experience where important treasures are preserved, such as original hardwood floors and finished carpentry, stained glass windows, a wood-burning stove - a pure salute to the good old days. This enchanting home comes fully furnished with everything you see inside. The master bedroom and bathroom are to your right as you enter. Ascend the wooden spiral staircase to your left, and you will find a delightful loft and sitting room with a second bedroom. Downstairs to the back of the house is the second bathroom, which is separated into 2 rooms, and decorated as a bedroom/bathroom combo (see floor plan). Beautifully updated to meet modern necessities, the home has a new HVAC system, new range/oven, fully stocked kitchen with new floor, new well pump and new washer & dryer. Wi-Fi and cable ready, you will enjoy feeling connected and unplugged at the same time. Take a stroll to Stony Creek and skip stones on the water, then watch fireflies light up the garden from the back deck. Truly peaceful and serene, the whole family will love it here! Fully furnished and tastefully appointed - this charming home is move-in ready! Hardware store, hiking, orchards and wineries nearby. 8 minutes to Peaks of Otter Lodge; 8 minutes to downtown shops and restaurants. Convenient to Lynchburg and Roanoke. Come and Enjoy the Quiet, Country Life!

20. 2026-01-26
    price $225,500 1578-char remark

    Show marketing remark (1578 chars)

    COMES FULLY FURNISHED! Welcome to the Cabin at Kelso Mill, historically known as the St. Clair House. Step back in time to when life was simple, and worries were few. This 3-Bedroom, 2-Bath home offers a splendid blast-to-the-past experience where important treasures are preserved, such as original hardwood floors and finished carpentry, stained glass windows, a wood-burning stove - a pure salute to the good old days. This enchanting home comes fully furnished with everything you see inside. The master bedroom and bathroom are to your right as you enter. Ascend the wooden spiral staircase to your left, and you will find a delightful loft and sitting room with a second bedroom. Downstairs to the back of the house is the second bathroom, which is separated into 2 rooms, and decorated as a bedroom/bathroom combo (see floor plan). Beautifully updated to meet modern necessities, the home has a new HVAC system, new range/oven, fully stocked kitchen with new floor, new well pump and new washer & dryer. Wi-Fi and cable ready, you will enjoy feeling connected and unplugged at the same time. Take a stroll to Stony Creek and skip stones on the water, then watch fireflies light up the garden from the back deck. Truly peaceful and serene, the whole family will love it here! Fully furnished and tastefully appointed - this charming home is move-in ready! Hardware store, hiking, orchards and wineries nearby. 8 minutes to Peaks of Otter Lodge; 8 minutes to downtown shops and restaurants. Convenient to Lynchburg and Roanoke. Come and Enjoy the Quiet, Country Life!

21. 2026-01-01
    status Active 1578-char remark

    Show marketing remark (1578 chars)

    COMES FULLY FURNISHED! Welcome to the Cabin at Kelso Mill, historically known as the St. Clair House. Step back in time to when life was simple, and worries were few. This 3-Bedroom, 2-Bath home offers a splendid blast-to-the-past experience where important treasures are preserved, such as original hardwood floors and finished carpentry, stained glass windows, a wood-burning stove - a pure salute to the good old days. This enchanting home comes fully furnished with everything you see inside. The master bedroom and bathroom are to your right as you enter. Ascend the wooden spiral staircase to your left, and you will find a delightful loft and sitting room with a second bedroom. Downstairs to the back of the house is the second bathroom, which is separated into 2 rooms, and decorated as a bedroom/bathroom combo (see floor plan). Beautifully updated to meet modern necessities, the home has a new HVAC system, new range/oven, fully stocked kitchen with new floor, new well pump and new washer & dryer. Wi-Fi and cable ready, you will enjoy feeling connected and unplugged at the same time. Take a stroll to Stony Creek and skip stones on the water, then watch fireflies light up the garden from the back deck. Truly peaceful and serene, the whole family will love it here! Fully furnished and tastefully appointed - this charming home is move-in ready! Hardware store, hiking, orchards and wineries nearby. 8 minutes to Peaks of Otter Lodge; 8 minutes to downtown shops and restaurants. Convenient to Lynchburg and Roanoke. Come and Enjoy the Quiet, Country Life!

22. 2025-11-08
    price $226,500 1578-char remark

    Show marketing remark (1578 chars)

    COMES FULLY FURNISHED! Welcome to the Cabin at Kelso Mill, historically known as the St. Clair House. Step back in time to when life was simple, and worries were few. This 3-Bedroom, 2-Bath home offers a splendid blast-to-the-past experience where important treasures are preserved, such as original hardwood floors and finished carpentry, stained glass windows, a wood-burning stove - a pure salute to the good old days. This enchanting home comes fully furnished with everything you see inside. The master bedroom and bathroom are to your right as you enter. Ascend the wooden spiral staircase to your left, and you will find a delightful loft and sitting room with a second bedroom. Downstairs to the back of the house is the second bathroom, which is separated into 2 rooms, and decorated as a bedroom/bathroom combo (see floor plan). Beautifully updated to meet modern necessities, the home has a new HVAC system, new range/oven, fully stocked kitchen with new floor, new well pump and new washer & dryer. Wi-Fi and cable ready, you will enjoy feeling connected and unplugged at the same time. Take a stroll to Stony Creek and skip stones on the water, then watch fireflies light up the garden from the back deck. Truly peaceful and serene, the whole family will love it here! Fully furnished and tastefully appointed - this charming home is move-in ready! Hardware store, hiking, orchards and wineries nearby. 8 minutes to Peaks of Otter Lodge; 8 minutes to downtown shops and restaurants. Convenient to Lynchburg and Roanoke. Come and Enjoy the Quiet, Country Life!

23. 2025-10-02
    price $227,450 1578-char remark

    Show marketing remark (1578 chars)

    COMES FULLY FURNISHED! Welcome to the Cabin at Kelso Mill, historically known as the St. Clair House. Step back in time to when life was simple, and worries were few. This 3-Bedroom, 2-Bath home offers a splendid blast-to-the-past experience where important treasures are preserved, such as original hardwood floors and finished carpentry, stained glass windows, a wood-burning stove - a pure salute to the good old days. This enchanting home comes fully furnished with everything you see inside. The master bedroom and bathroom are to your right as you enter. Ascend the wooden spiral staircase to your left, and you will find a delightful loft and sitting room with a second bedroom. Downstairs to the back of the house is the second bathroom, which is separated into 2 rooms, and decorated as a bedroom/bathroom combo (see floor plan). Beautifully updated to meet modern necessities, the home has a new HVAC system, new range/oven, fully stocked kitchen with new floor, new well pump and new washer & dryer. Wi-Fi and cable ready, you will enjoy feeling connected and unplugged at the same time. Take a stroll to Stony Creek and skip stones on the water, then watch fireflies light up the garden from the back deck. Truly peaceful and serene, the whole family will love it here! Fully furnished and tastefully appointed - this charming home is move-in ready! Hardware store, hiking, orchards and wineries nearby. 8 minutes to Peaks of Otter Lodge; 8 minutes to downtown shops and restaurants. Convenient to Lynchburg and Roanoke. Come and Enjoy the Quiet, Country Life!

24. 2025-07-27
    status Active 1578-char remark

    Show marketing remark (1578 chars)

    COMES FULLY FURNISHED! Welcome to the Cabin at Kelso Mill, historically known as the St. Clair House. Step back in time to when life was simple, and worries were few. This 3-Bedroom, 2-Bath home offers a splendid blast-to-the-past experience where important treasures are preserved, such as original hardwood floors and finished carpentry, stained glass windows, a wood-burning stove - a pure salute to the good old days. This enchanting home comes fully furnished with everything you see inside. The master bedroom and bathroom are to your right as you enter. Ascend the wooden spiral staircase to your left, and you will find a delightful loft and sitting room with a second bedroom. Downstairs to the back of the house is the second bathroom, which is separated into 2 rooms, and decorated as a bedroom/bathroom combo (see floor plan). Beautifully updated to meet modern necessities, the home has a new HVAC system, new range/oven, fully stocked kitchen with new floor, new well pump and new washer & dryer. Wi-Fi and cable ready, you will enjoy feeling connected and unplugged at the same time. Take a stroll to Stony Creek and skip stones on the water, then watch fireflies light up the garden from the back deck. Truly peaceful and serene, the whole family will love it here! Fully furnished and tastefully appointed - this charming home is move-in ready! Hardware store, hiking, orchards and wineries nearby. 8 minutes to Peaks of Otter Lodge; 8 minutes to downtown shops and restaurants. Convenient to Lynchburg and Roanoke. Come and Enjoy the Quiet, Country Life!

25. 2025-07-10
    status Pending 1578-char remark

    Show marketing remark (1578 chars)

    COMES FULLY FURNISHED! Welcome to the Cabin at Kelso Mill, historically known as the St. Clair House. Step back in time to when life was simple, and worries were few. This 3-Bedroom, 2-Bath home offers a splendid blast-to-the-past experience where important treasures are preserved, such as original hardwood floors and finished carpentry, stained glass windows, a wood-burning stove - a pure salute to the good old days. This enchanting home comes fully furnished with everything you see inside. The master bedroom and bathroom are to your right as you enter. Ascend the wooden spiral staircase to your left, and you will find a delightful loft and sitting room with a second bedroom. Downstairs to the back of the house is the second bathroom, which is separated into 2 rooms, and decorated as a bedroom/bathroom combo (see floor plan). Beautifully updated to meet modern necessities, the home has a new HVAC system, new range/oven, fully stocked kitchen with new floor, new well pump and new washer & dryer. Wi-Fi and cable ready, you will enjoy feeling connected and unplugged at the same time. Take a stroll to Stony Creek and skip stones on the water, then watch fireflies light up the garden from the back deck. Truly peaceful and serene, the whole family will love it here! Fully furnished and tastefully appointed - this charming home is move-in ready! Hardware store, hiking, orchards and wineries nearby. 8 minutes to Peaks of Otter Lodge; 8 minutes to downtown shops and restaurants. Convenient to Lynchburg and Roanoke. Come and Enjoy the Quiet, Country Life!

26. 2025-07-10
    historical 1578-char remark

    Show marketing remark (1578 chars)

    COMES FULLY FURNISHED! Welcome to the Cabin at Kelso Mill, historically known as the St. Clair House. Step back in time to when life was simple, and worries were few. This 3-Bedroom, 2-Bath home offers a splendid blast-to-the-past experience where important treasures are preserved, such as original hardwood floors and finished carpentry, stained glass windows, a wood-burning stove - a pure salute to the good old days. This enchanting home comes fully furnished with everything you see inside. The master bedroom and bathroom are to your right as you enter. Ascend the wooden spiral staircase to your left, and you will find a delightful loft and sitting room with a second bedroom. Downstairs to the back of the house is the second bathroom, which is separated into 2 rooms, and decorated as a bedroom/bathroom combo (see floor plan). Beautifully updated to meet modern necessities, the home has a new HVAC system, new range/oven, fully stocked kitchen with new floor, new well pump and new washer & dryer. Wi-Fi and cable ready, you will enjoy feeling connected and unplugged at the same time. Take a stroll to Stony Creek and skip stones on the water, then watch fireflies light up the garden from the back deck. Truly peaceful and serene, the whole family will love it here! Fully furnished and tastefully appointed - this charming home is move-in ready! Hardware store, hiking, orchards and wineries nearby. 8 minutes to Peaks of Otter Lodge; 8 minutes to downtown shops and restaurants. Convenient to Lynchburg and Roanoke. Come and Enjoy the Quiet, Country Life!

27. 2025-05-13
    status Active 1578-char remark

    Show marketing remark (1578 chars)

    COMES FULLY FURNISHED! Welcome to the Cabin at Kelso Mill, historically known as the St. Clair House. Step back in time to when life was simple, and worries were few. This 3-Bedroom, 2-Bath home offers a splendid blast-to-the-past experience where important treasures are preserved, such as original hardwood floors and finished carpentry, stained glass windows, a wood-burning stove - a pure salute to the good old days. This enchanting home comes fully furnished with everything you see inside. The master bedroom and bathroom are to your right as you enter. Ascend the wooden spiral staircase to your left, and you will find a delightful loft and sitting room with a second bedroom. Downstairs to the back of the house is the second bathroom, which is separated into 2 rooms, and decorated as a bedroom/bathroom combo (see floor plan). Beautifully updated to meet modern necessities, the home has a new HVAC system, new range/oven, fully stocked kitchen with new floor, new well pump and new washer & dryer. Wi-Fi and cable ready, you will enjoy feeling connected and unplugged at the same time. Take a stroll to Stony Creek and skip stones on the water, then watch fireflies light up the garden from the back deck. Truly peaceful and serene, the whole family will love it here! Fully furnished and tastefully appointed - this charming home is move-in ready! Hardware store, hiking, orchards and wineries nearby. 8 minutes to Peaks of Otter Lodge; 8 minutes to downtown shops and restaurants. Convenient to Lynchburg and Roanoke. Come and Enjoy the Quiet, Country Life!

28. 2025-05-06
    status Pending 1578-char remark

    Show marketing remark (1578 chars)

    COMES FULLY FURNISHED! Welcome to the Cabin at Kelso Mill, historically known as the St. Clair House. Step back in time to when life was simple, and worries were few. This 3-Bedroom, 2-Bath home offers a splendid blast-to-the-past experience where important treasures are preserved, such as original hardwood floors and finished carpentry, stained glass windows, a wood-burning stove - a pure salute to the good old days. This enchanting home comes fully furnished with everything you see inside. The master bedroom and bathroom are to your right as you enter. Ascend the wooden spiral staircase to your left, and you will find a delightful loft and sitting room with a second bedroom. Downstairs to the back of the house is the second bathroom, which is separated into 2 rooms, and decorated as a bedroom/bathroom combo (see floor plan). Beautifully updated to meet modern necessities, the home has a new HVAC system, new range/oven, fully stocked kitchen with new floor, new well pump and new washer & dryer. Wi-Fi and cable ready, you will enjoy feeling connected and unplugged at the same time. Take a stroll to Stony Creek and skip stones on the water, then watch fireflies light up the garden from the back deck. Truly peaceful and serene, the whole family will love it here! Fully furnished and tastefully appointed - this charming home is move-in ready! Hardware store, hiking, orchards and wineries nearby. 8 minutes to Peaks of Otter Lodge; 8 minutes to downtown shops and restaurants. Convenient to Lynchburg and Roanoke. Come and Enjoy the Quiet, Country Life!

29. 2025-04-30
    listed $229,950 Active 1578-char remark

    Show marketing remark (1578 chars)

    COMES FULLY FURNISHED! Welcome to the Cabin at Kelso Mill, historically known as the St. Clair House. Step back in time to when life was simple, and worries were few. This 3-Bedroom, 2-Bath home offers a splendid blast-to-the-past experience where important treasures are preserved, such as original hardwood floors and finished carpentry, stained glass windows, a wood-burning stove - a pure salute to the good old days. This enchanting home comes fully furnished with everything you see inside. The master bedroom and bathroom are to your right as you enter. Ascend the wooden spiral staircase to your left, and you will find a delightful loft and sitting room with a second bedroom. Downstairs to the back of the house is the second bathroom, which is separated into 2 rooms, and decorated as a bedroom/bathroom combo (see floor plan). Beautifully updated to meet modern necessities, the home has a new HVAC system, new range/oven, fully stocked kitchen with new floor, new well pump and new washer & dryer. Wi-Fi and cable ready, you will enjoy feeling connected and unplugged at the same time. Take a stroll to Stony Creek and skip stones on the water, then watch fireflies light up the garden from the back deck. Truly peaceful and serene, the whole family will love it here! Fully furnished and tastefully appointed - this charming home is move-in ready! Hardware store, hiking, orchards and wineries nearby. 8 minutes to Peaks of Otter Lodge; 8 minutes to downtown shops and restaurants. Convenient to Lynchburg and Roanoke. Come and Enjoy the Quiet, Country Life!

30. 2023-05-12
    soldstatus $175,000
31. 2023-04-24
    status Pending 652-char remark

    Show marketing remark (652 chars)

    Beautiful Country Cottage Bungalow nestled just 5 miles from the Blue Ridge Parkway and Peaks of Otter. An opportunity awaits for this cozy cabin to be your new adventure, as the owner is willing to let it stay furnished as is. (except a few personal items) Perfectly set up for an Airbnb or extended stay business. This home has been upgraded with new plumbing and underground electric to the house, double insulated walls, 1 yr old well pump, 1 yr old water tank, Train heat pump, restored Pinewood floors, bathroom has solid cedar walls, Heartwood Pine in Kitchen, Yellow Pine spiral staircase to 3rd bedroom and loft. All appliances to convey as Is

32. 2023-04-23
    soldstatus $175,000 Closed 652-char remark

    Show marketing remark (652 chars)

    Beautiful Country Cottage Bungalow nestled just 5 miles from the Blue Ridge Parkway and Peaks of Otter. An opportunity awaits for this cozy cabin to be your new adventure, as the owner is willing to let it stay furnished as is. (except a few personal items) Perfectly set up for an Airbnb or extended stay business. This home has been upgraded with new plumbing and underground electric to the house, double insulated walls, 1 yr old well pump, 1 yr old water tank, Train heat pump, restored Pinewood floors, bathroom has solid cedar walls, Heartwood Pine in Kitchen, Yellow Pine spiral staircase to 3rd bedroom and loft. All appliances to convey as Is

33. 2023-04-14
    listed $189,000 Active 652-char remark

    Show marketing remark (652 chars)

    Beautiful Country Cottage Bungalow nestled just 5 miles from the Blue Ridge Parkway and Peaks of Otter. An opportunity awaits for this cozy cabin to be your new adventure, as the owner is willing to let it stay furnished as is. (except a few personal items) Perfectly set up for an Airbnb or extended stay business. This home has been upgraded with new plumbing and underground electric to the house, double insulated walls, 1 yr old well pump, 1 yr old water tank, Train heat pump, restored Pinewood floors, bathroom has solid cedar walls, Heartwood Pine in Kitchen, Yellow Pine spiral staircase to 3rd bedroom and loft. All appliances to convey as Is

34. 2018-10-01
    listed $149,900

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast VA · Resets to sale price

• Current annual tax: $512 · $43/mo
• Projected year-2 tax: $1,800 · $150/mo
• Expected delta: +$1,288/yr (+$107/mo · 251.5%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 61% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥101°F today · 20 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 2% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,768
• − Mortgage interest: −$12,295
• − Property taxes: −$512
• − Insurance: −$1,098
• − Repairs & maintenance: −$1,421
• − Management: −$1,421
• − Depreciation: −$6,385
• Taxable loss: −$5,365
• Est. tax savings @ 24.0%: +$1,288
• After-tax cash flow: $-98/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Bedford County Public School District
• NCES district ID: 5100360
• Math proficiency: 55% ▼ -29.00%
• Reading proficiency: 73% ▼ -7.00%
• Median HH income: $56,288
• Composite: 54.92/100
• National rank: #1310
• State rank: #41 of 131 in VA

Livability — Bedford

• Score: 74/100
• State rank: #137
• US rank: #4371

Category grades

Amenities F Commute F Cost of living A+ Crime B Employment D- Housing A- Health & safety A+ User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 21,447
• Population (ZIP): 21,447

Population outlook (Bedford County) Hauer SSP2

• Today (2025): 83,194 people
• By 2030: 85,499 · +2.8%
• By 2040: 88,834 · +6.8%
• By 2050: 90,060 · +8.3%
• By 2075: 94,131 · +13.1%
• By 2100: 89,832 · +8.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Black 10% Two or more races 5% Hispanic / Latino 2%
• Common ancestry: Slovak 3% Romanian 2% Serbian 2%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 2% French/Haitian/Cajun 1% Other Asian/Pacific 0%

Political lean MEDSL · Bedford

• 2024 margin: Solid R (+50.4) · D 24.4% · R 74.8%
• 2008→2024 swing: -13.0pp toward R · 2008: -37.4pp · 2024: -50.4pp
• All cycles: 2024: R+50.4 2020: R+48.1 2016: R+49.4 2012: R+45.0 2008: R+37.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -118.68%
• Current HPI: 263.7765
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.40%
• F500 in state: 50

Industry mix (Fortune 500 HQ in VA)

Industry	F500 HQs	Revenue
▸Aerospace / Defense	4	$236B
▸Technology / Defense	3	$32B
▸Financial Services	2	$176B
▸Utilities	2	$27B
▸Insurance	2	$25B
▸Technology	2	$15B

Price history

+49.8% since first listed

16 events — show timeline

• 2026-04-01 Price Changed $224,500 MLSRV
• 2026-01-26 Price Changed $225,500 MLSRV
• 2026-01-01 Relisted — MLSRV
• 2025-11-08 Price Changed $226,500 MLSRV
• 2025-10-02 Price Changed $227,450 MLSRV
• 2025-07-27 Relisted — MLSRV
• 2025-07-10 Pending — MLSRV
• 2025-07-10 Listing Removed — MLSRV
• 2025-05-13 Relisted — MLSRV
• 2025-05-06 Pending — MLSRV
• 2025-04-30 Listed $229,950 MLSRV
• 2023-05-12 Sold (Public Records) $175,000 Public Records
• 2023-04-24 Pending — LMLS
• 2023-04-23 Sold (MLS) $175,000 LMLS
• 2023-04-14 Listed $189,000 LMLS
• 2018-10-01 Listed $149,900 LMLS

Property tax history

+3.3%/yr

Latest (2025): $512 · +0.0% YoY. Source: county tax records.