Cottage / Storybook home in Richmond, VA
This 1,644-square-foot Cottage home in Richmond, VA includes 3 bedrooms and 3 bathrooms. The Cottage styling carries through the home's design.
| Price | $499,950 |
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| Beds | 3 |
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| Baths | 3 |
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| Sqft | 1644 |
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| Architectural style | Cottage / Storybook (44% match) |
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| Address | 6231 Swanson Rd, Richmond, VA 23225 |
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Why buy this home
- Confirmed Cottage / Storybook architecture, matched from the listing photos by Enzo's vision model.
- Links directly to the original source listing on Zillow.
Is this a good buy?
Priced above comparable homes.
- At $500K, this home is 36% above the $368K median for 201 similar Cottage / Storybook homes in Richmond, VA.
- That works out to $304 per square foot, 18% above the $257 comparable rate.
- On the market 8 days.
| This home | $499,950 |
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| Cottage / Storybook median in Richmond, VA | $367,500 (201 homes) |
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| Price per sq ft | $304 vs. $257 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 $3,287/month with 20% down at a 7.28% 30-year fixed rate. You would need about $140,851 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $2,737/mo |
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| Property tax (new-buyer reassessed rate) | $362/mo |
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| Homeowners insurance | $187/mo |
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| Total monthly | $3,287/mo |
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| Down payment (20%) | $99,990 |
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| Income needed | $140,851/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 B- (66 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 | B- (66/100) |
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| Beats renting in | 20% of modeled paths |
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| Modeled 5-yr equity (median) | $256,533 |
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| Range (10th to 90th pct) | $154,410 to $375,609 |
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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 Richmond, VA where local data is thin.
Local home values
Typical home values in Richmond, VA have risen about 27% over the past 5 years (+3% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
View this home on Zillow