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Rural Clearwater County · Single Family · under $1,275,000 · 3+ bed · 2+ bath. Alerts only send when there are new or meaningfully updated matching homes.
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224 JAMES RIVER
HIGH on the RIDGE overlooking the James River Valley, this CUSTOM-DESIGNED, custom-built WALKOUT BUNGALOW stands as a testament to CRAFTSMANSHIP, pride, and creating a home that feels both LUXURIOUS and deeply CONNECTED to its surroundings. Set on 2.77 acres with direct rRIVER ACCESS and direct access to the ADJACENT Crownland. The property offers a RARE BLEND of PRIVACY, elevation, and NATURAL BEAUTY, along with the SECURITY of a gated condominium COMMUNITY. The EXTIRIOR is a showcase of durability and design, finished in HARDI BOARD siding and anchored by STACKED STONE pillars and SOLID FIR 6x6 decorative cross sections that FRAME the massive composite/dura deck. A 23x25 fully finished, HEATED GARAGE—paired with a matching storage shed clad in the SAME MATERIELS as the home—creates a cohesive, PREMIUM PRESENCE from the moment you arrive. Inside, the home UNFOLDS with the EASE and ELEGANCE only a bungalow can offer—WIDE corridors, OPEN sightlines, and the COMFORT of having your most important spaces on ONE LEVEL. TRIPLE PANE windows fill the home with natural light, while LUXURY VYNYL PLANK flooring carries a warm, modern tone throughout. Every detail has been thoughtfully crafted: SOLID WOOD DOORS, CUSTOM MILL WORK, and CABINETRY. The kitchen is EXCEPTIONALLY designed for both culinary ambition and effortless entertaining. A 9x5 QUARTZ ISLAND anchors the space, surrounded by high-end KITCHEN AID appliances in a modern, subtle black finish. STORAGE is abundant, LAYOUT is intuitive, and the CRAFTSMANSHIP is unmistakable. At the HEART of the home sits the GLASSED-IN-3 SEASON ROOM, wrapped in windows and warmed by a gas fireplace. It’s a YEAR-ROUND sanctuary where morning light, sunsets, and valley VIEWS become part of daily life. The PRIMARY SUITE offers a full walk-in closet with a CUSTOM RAIL SYSTEM for organized luxury, while the ensuite delivers SPA-LEVEL comfort: a long STRETCH of custom cabinetry, QUARTZ counters, DOUBLE sinks, generous STORAGE, and a large NUE TRAL-TONED tile shower designed for relaxation. The Walkout Level – Designed for LIVING and FAMILY comfort with IN-FLOOR heating, reveals a space crafted for CONNECTION, RECREATION, and FAMILY LIFE. This lower level features TWO large bedrooms, a FULL den, and a beautifully appointed 5-piece bathroom, complete with DOUBLE SINKS and a spacious tub/shower combination. A recreation room becomes the HUB of entertainment—complete with a WET-BAR, full-size fridge, sink, and a convenient dishwasher for EFFORTLESS hosting. An efficient mudroom with BUILT-IN cubbies and hangers keeps gear organized and ready for ADVENTURE. From here, the walkout opens onto a concrete LOWER PATIO that overlooks the private firepit area—a natural AMPETHEATRE that gently slopes toward the JAMES RIVER. A flex/workout room with its own private exterior door adds versatility—ideal for a home gym, studio. 224 James River Ridge: Luxury ROOTED in nature, ELEVATED above the valley and FRAMED by mountain views, is a RIDGE-TOP-RETREAT !! (id:65958)
Basement
| Room | Dimensions | Features |
|---|---|---|
| 5pc Bathroom | 10.25 Ft x 8.58 Ft | |
| Bedroom | 14.00 Ft x 12.33 Ft | |
| Bedroom | 14.25 Ft x 13.58 Ft | |
| Den | 13.17 Ft x 7.92 Ft | |
| Laundry room | 7.08 Ft x 12.58 Ft | |
| Other | 11.00 Ft x 8.92 Ft | |
| Recreational, Games room | 20.00 Ft x 21.75 Ft | |
| Storage | 7.33 Ft x 6.33 Ft | |
| Furnace | 10.25 Ft x 13.25 Ft | |
| Other | 16.58 Ft x 12.50 Ft |
Main level
| Room | Dimensions | Features |
|---|---|---|
| 2pc Bathroom | 5.00 Ft x 8.67 Ft | |
| 4pc Bathroom | 9.00 Ft x 10.75 Ft | |
| Dining room | 12.42 Ft x 12.25 Ft | |
| Foyer | 9.25 Ft x 9.00 Ft | |
| Kitchen | 15.58 Ft x 16.75 Ft | |
| Living room | 17.42 Ft x 18.00 Ft | |
| Bedroom | 11.00 Ft x 10.50 Ft | |
| Primary Bedroom | 13.00 Ft x 26.00 Ft | |
| Other | 6.75 Ft x 8.58 Ft | |
| Sunroom | 17.50 Ft x 13.17 Ft |
10-item due-diligence checklist. We can pre-flight most of these for you on a CMA call.
Comparable sales
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Property condition
Roof age, furnace age, hot-water tank age, electrical panel size, windows. Cosmetic vs structural.
Zoning
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Suite legality / potential
If suited or being marketed as suited: confirm permits, separate entrance, ceiling height, egress windows.
Monthly carrying cost
Mortgage + property tax + insurance + condo fee (if any) + utilities. Compare to your max budget.
Property taxes
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Insurance estimate
Get a same-day quote. Older homes, knob-and-tube wiring, polybutylene plumbing, flood plains all change the number.
Commute
Drive it (or transit it) at the actual time of day you'd commute. Map ETA lies during peak hours.
Deposit and financing conditions
Deposit size, financing condition window, condition removal date, possession date — all negotiable.
Inspection considerations
Budget for a home inspector ($500–700) and any specialty inspections (sewer scope, mould, asbestos for pre-1990 builds).
Cash on cash
-0.83%
Cap rate
4.70%
GRM
13.9
Break-even rent
$7,119
Financing
Operating expenses (monthly)
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Approximation only. Actual cash flow depends on financing terms, condition reports, current market rents, property tax assessment, condo fees, and tenant quality. Defaults: 4.5% rate, 30-year amortization, 5% vacancy, 1%/yr maintenance, 0.5%/yr CapEx reserve, $80/mo insurance. Property tax estimated at 0.55%/yr where not provided. Talk to a mortgage broker before relying on these numbers.
Pick a down payment and tap any underlined number to edit. Total updates live. Confirm with a mortgage broker before writing an offer.
Monthly carrying costs (shared)
Approximation only. CMHC default insurance is included when down payment is under 20%. Property tax and condo fees come from MLS when listed and may not reflect the current billing year. Accelerated bi-weekly frequency reduces total interest paid vs. monthly — confirm with a broker. Suite rental income depends on permits, market rent, and vacancy. Always validate with a mortgage broker before writing an offer.
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Listing brokerage
Listing brokerage on file
Listing data via CREA DDF®. Information is deemed reliable but not guaranteed accurate by CREA. Last updated Jul 7, 2026.
Location of this listing. Distances are straight-line.
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Buyer-fit signals
Derived from listing data and nearby-amenity proximity. Verify anything that matters to your decision — distances are approximate.