Victorian / Queen Anne home in 433 N 1st St Charlottesville, VA
This Victorian home in Charlottesville, VA offers 4 bedrooms and 2 bathrooms across 2,924 square feet. The Victorian styling carries through the home's design.
| Price | $1,795,000 |
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| Beds | 4 |
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| Baths | 2 |
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| Sqft | 2924 |
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| Architectural style | Victorian / Queen Anne (96% match) |
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| Address | 433 N 1st St Charlottesville, VA 22902 |
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Why buy this home
- Confirmed Victorian / Queen Anne architecture, matched from the listing photos by Enzo's vision model.
- Links directly to the original source listing on Movoto.
Is this a good buy?
Priced above comparable homes.
- At $1.8M, this home is 50% above the $1.2M median for 18 similar Victorian / Queen Anne homes in Charlottesville, VA.
- That works out to $614 per square foot, 84% above the $334 comparable rate.
- New to market (2 days), so expect competition.
| This home | $1,795,000 |
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| Victorian / Queen Anne median in Charlottesville, VA | $1,200,000 (18 homes) |
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| Price per sq ft | $614 vs. $334 comps median |
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Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $11,800/month with 20% down at a 7.28% 30-year fixed rate. You would need about $505,705 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $9,825/mo |
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| Property tax (new-buyer reassessed rate) | $1,301/mo |
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| Homeowners insurance | $673/mo |
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| Total monthly | $11,800/mo |
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| Down payment (20%) | $359,000 |
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| Income needed | $505,705/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home C (56 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | C (56/100) |
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| Beats renting in | 8% of modeled paths |
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| Modeled 5-yr equity (median) | $755,007 |
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| Range (10th to 90th pct) | $422,550 to $1,152,349 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward Charlottesville, VA where local data is thin.
Local home values
Typical home values in Charlottesville, VA have risen about 22% over the past 5 years (+1% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
View this home on Movoto