3113 Taylor Ave · West Point, VA 23181

$242,000

3 bd · 2.5 ba · 1,520 sqft · Townhouse public records · 34 Days on market

Built 2013 2,178 sqft lot Est $286k · 15% under

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Why this score? — see what drove the C+ 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).

• Cash flow +20.8/30.0
• ARV discount +14.4/15.0
• DSCR +6.6/10.0
• Schools +6.1/10.0
• 1% rule +4.2/10.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Don't rent when you can own. You'll love this charming well maintained 3 bedroom/2.5 bath townhome located within minutes to downtown West Point. Some great features of this home includes a eat-in kitchen, a large great room and dining area, and downstairs carpet is was replaced in 2020. All bedrooms are on the 2nd floor with 2 full baths and the laundry closet that includes the washer & dryer. Enjoy relaxing outside on the rear deck or gardening in your fully fenced in back yard with a storage shed. Convenient to I-64, Richmond and Williamsburg.

Key facts

• Kitchen
• Living area
• Laundry closet

Tags

• LIVING AREA
• DINING SPACE
• KITCHEN
• HALF BATHROOM
• PRIMARY BEDROOM
• LAUNDRY CLOSET

Property features AI

Exterior

• Parking: Assigned parking (no garage)
• Utilities: Public water; Public sewer
• Home design: Townhouse (attached); Two levels / 2 stories; Located in the New Delaware subdivision; Zoning: MU-1
• Construction: Brick construction
• Exterior features: Shingle roof; No pool

Interior

• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Heat pump heating; Electric heating; Heat pump cooling
• Interior features: Electric water heater; 5 total rooms

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath townhouse listed at $242k.

Deal economics

• At list price, monthly cash flow is $332 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $222k (8.3% below list).
• Recommended offer: $222k (8.3% below list) — sets the bar for 1% rule.
• Cap rate 7.9% vs local median 3.4% in West Point — 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 76/100 on livability (#111 in VA, #3,458 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: amenities F, commute F.
• West Point Public School District (town): math 63% / reading 80% proficiency, ranked #17 of 131 in VA (top 13%) — strong family-tenant draw, lease renewals of 3-5y typical.
• Zoned schools: West Point Elementary (math 72% / reading 82%, grade A, #171 of 1,108 statewide, top 17%, 370 students, 40% FRL); West Point Middle/High (math 57% / reading 80%, grade B, #178 of 319 statewide, top 56%, 440 students, 34% FRL).
• Market conditions: 62 active listings in the ZIP; 129 units permitted in King William 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.

Negotiation context

• It's been on market 34 days — a 3% lower offer ($235k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 13y 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 $178k; 36% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 64% chance of damaging wind over 30y; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $221,800 (8.3% below list)

Questions for the listing agent

1. It's been on market 34 days. Have you received any prior offers? Is the seller open to a 8% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are A-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?
4. 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.
5. 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.
6. 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: 0.92% ✗
• Cap rate: 7.94%
• Cash-on-cash: 5.87%
• DSCR: 1.26
• GRM: 9.1

CMA / ARV

• ARV (on-the-fly): $285,760
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3109 Taylor Ave	0.01mi	3/2.5	1,360 (-10%)	2mo	$255,000	$188	80
210 Patriots Village Ct #210	0.72mi	3/2.5	1,580 (+4%)	14mo	$295,000	$187	49

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

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

5-year hold

• IRR: -7.3%
• Equity multiple: 0.73×
• Total profit: $-18,208
• Equity at exit: $36,083

10-year hold

• IRR: 2.2%
• Equity multiple: 1.16×
• Total profit: $10,858
• Equity at exit: $20,924

Cash invested: $67,760 (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 23181

• Home prices YoY: -29.9%
• Active inventory: 62
• Price-to-rent: 9.1×

Monthly cashflow live

• Estimated rent: $2,218 medium
• Mortgage (P&I): −$1,269
• Tax from tax record: −$51 /mo · $607/yr
• Insurance: −$101
• HOA: −$0
• Vacancy / Maint / Mgmt: −$466
• Net cashflow: $332

Break-even live

Break-even rent $1,798

Max offer price $242,000

Occupancy floor 80%

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: $60,500
• Closing costs: $7,260
• Reserves months: —
• Total cash needed: —

Listing history 30 events

1. 2026-06-18
   days on market $242,000 Active 34 DOM
2. 2026-06-17
   days on market $242,000 Active 33 DOM
3. 2026-06-16
   days on market $242,000 Active 32 DOM
4. 2026-06-15
   days on market $242,000 Active 31 DOM
5. 2026-06-15
   days on market $242,000 Active 30 DOM
6. 2026-06-13
   days on market $242,000 Active 29 DOM
7. 2026-06-12
   days on market $242,000 Active 28 DOM
8. 2026-06-09
   days on market $242,000 Active 25 DOM
9. 2026-06-08
   days on market $242,000 Active 24 DOM
10. 2026-06-08
    days on market $242,000 Active 23 DOM
11. 2026-06-07
    days on market $242,000 Active 22 DOM
12. 2026-06-03
    days on market $242,000 Active 19 DOM
13. 2026-06-02
    days on market $242,000 Active 18 DOM
14. 2026-06-01
    days on market $242,000 Active 17 DOM
15. 2026-05-31
    days on market $242,000 Active 16 DOM
16. 2026-05-15
    listed $242,000 Active
17. 2022-03-08
    soldstatus $177,900
18. 2022-03-04
    soldstatus $177,900 Closed 558-char remark

    Show marketing remark (558 chars)

    Don't rent when you can own. You'll love this charming well maintained 3 bedroom/2.5 bath townhome located within minutes to downtown West Point. Some great features of this home includes a eat-in kitchen, a large great room and dining area, and downstairs carpet is was replaced in 2020. All bedrooms are on the 2nd floor with 2 full baths and the laundry closet that includes the washer & dryer. Enjoy relaxing outside on the rear deck or gardening in your fully fenced in back yard with a storage shed. Convenient to I-64, Richmond and Williamsburg.

19. 2022-03-04
    soldstatus $177,900 Closed 558-char remark

    Show marketing remark (558 chars)

    Don't rent when you can own. You'll love this charming well maintained 3 bedroom/2.5 bath townhome located within minutes to downtown West Point. Some great features of this home includes a eat-in kitchen, a large great room and dining area, and downstairs carpet is was replaced in 2020. All bedrooms are on the 2nd floor with 2 full baths and the laundry closet that includes the washer & dryer. Enjoy relaxing outside on the rear deck or gardening in your fully fenced in back yard with a storage shed. Convenient to I-64, Richmond and Williamsburg.

20. 2022-01-18
    status Pending 558-char remark

    Show marketing remark (558 chars)

    Don't rent when you can own. You'll love this charming well maintained 3 bedroom/2.5 bath townhome located within minutes to downtown West Point. Some great features of this home includes a eat-in kitchen, a large great room and dining area, and downstairs carpet is was replaced in 2020. All bedrooms are on the 2nd floor with 2 full baths and the laundry closet that includes the washer & dryer. Enjoy relaxing outside on the rear deck or gardening in your fully fenced in back yard with a storage shed. Convenient to I-64, Richmond and Williamsburg.

21. 2022-01-18
    status Pending 558-char remark

    Show marketing remark (558 chars)

    Don't rent when you can own. You'll love this charming well maintained 3 bedroom/2.5 bath townhome located within minutes to downtown West Point. Some great features of this home includes a eat-in kitchen, a large great room and dining area, and downstairs carpet is was replaced in 2020. All bedrooms are on the 2nd floor with 2 full baths and the laundry closet that includes the washer & dryer. Enjoy relaxing outside on the rear deck or gardening in your fully fenced in back yard with a storage shed. Convenient to I-64, Richmond and Williamsburg.

22. 2022-01-06
    listed $179,900 Active 558-char remark

    Show marketing remark (558 chars)

    Don't rent when you can own. You'll love this charming well maintained 3 bedroom/2.5 bath townhome located within minutes to downtown West Point. Some great features of this home includes a eat-in kitchen, a large great room and dining area, and downstairs carpet is was replaced in 2020. All bedrooms are on the 2nd floor with 2 full baths and the laundry closet that includes the washer & dryer. Enjoy relaxing outside on the rear deck or gardening in your fully fenced in back yard with a storage shed. Convenient to I-64, Richmond and Williamsburg.

23. 2022-01-06
    listed $179,900 Active 558-char remark

    Show marketing remark (558 chars)

    Don't rent when you can own. You'll love this charming well maintained 3 bedroom/2.5 bath townhome located within minutes to downtown West Point. Some great features of this home includes a eat-in kitchen, a large great room and dining area, and downstairs carpet is was replaced in 2020. All bedrooms are on the 2nd floor with 2 full baths and the laundry closet that includes the washer & dryer. Enjoy relaxing outside on the rear deck or gardening in your fully fenced in back yard with a storage shed. Convenient to I-64, Richmond and Williamsburg.

24. 2020-11-20
    soldstatus $168,000
25. 2020-11-19
    soldstatus $168,000
26. 2020-10-17
    listed $167,500
27. 2014-06-11
    soldstatus $132,000
28. 2014-06-11
    soldstatus $132,000
29. 2014-01-07
    listed $133,200
30. 2013-07-30
    listed $133,200

ⓘ 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: $607 · $51/mo
• Projected year-2 tax: $1,984 · $165/mo
• Expected delta: +$1,377/yr (+$115/mo · 226.9%)

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥111°F today · 17 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 64% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,616
• − Mortgage interest: −$13,556
• − Property taxes: −$607
• − Insurance: −$1,210
• − Repairs & maintenance: −$2,129
• − Management: −$2,129
• − Depreciation: −$7,040
• Taxable loss: −$55
• Est. tax savings @ 24.0%: +$13
• After-tax cash flow: $3,994/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: West Point Public School District
• NCES district ID: 5103950
• Math proficiency: 63% ▼ -30.00%
• Reading proficiency: 80% ▼ -12.00%
• Median HH income: $59,177
• Composite: 61.42/100
• National rank: #761
• State rank: #17 of 131 in VA

Livability — West Point

• Score: 76/100
• State rank: #111
• US rank: #3458

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: West Point, VA
• Population (ZIP): 5,386

Population outlook (King William County) Hauer SSP2

• Today (2025): 16,840 people
• By 2030: 16,990 · +0.9%
• By 2040: 16,965 · +0.7%
• By 2050: 16,483 · -2.1%
• By 2075: 15,292 · -9.2%
• By 2100: 12,764 · -24.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (79%)
• Race & ethnicity: White 79% Black 9% Two or more races 8% Hispanic / Latino 5% Native American 1%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Romanian 4% Lithuanian 2% Italian 2%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 2% Tagalog/Filipino 1%

Political lean MEDSL · King William

• 2024 margin: Solid R (+40.6) · D 29.3% · R 69.9%
• 2008→2024 swing: -21.2pp toward R · 2008: -19.3pp · 2024: -40.6pp
• All cycles: 2024: R+40.6 2020: R+37.8 2016: R+35.3 2012: R+23.9 2008: R+19.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -76.32%
• Current HPI: 179.2453
• 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

+81.7% since first listed

15 events — show timeline

• 2026-05-15 Listed $242,000 CBRAR
• 2022-03-08 Sold (Public Records) $177,900 Public Records
• 2022-03-04 Sold (MLS) $177,900 CVRMLS
• 2022-03-04 Sold (MLS) $177,900 WMLS
• 2022-01-18 Pending — CVRMLS
• 2022-01-18 Pending — WMLS
• 2022-01-06 Listed $179,900 CVRMLS
• 2022-01-06 Listed $179,900 WMLS
• 2020-11-20 Sold (Public Records) $168,000 Public Records
• 2020-11-19 Sold (MLS) $168,000 CVRMLS
• 2020-10-17 Listed $167,500 CVRMLS
• 2014-06-11 Sold (MLS) $132,000 CBRAR
• 2014-06-11 Sold (MLS) $132,000 WMLS
• 2014-01-07 Listed $133,200 CBRAR
• 2013-07-30 Listed $133,200 WMLS

Property tax history

+24.0%/yr

Latest (2025): $607 · +13.0% YoY. Source: county tax records.