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114 Settlers Cir , Winchester, VA 22602
$539,900
Est. Payment: $2,828.47/mo
5 Bed
4 Bath
3290 Sqft
0.32 Acres
Status: pending | Days on site: 22
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House Description

Welcome to 114 Settlers Circle, a spacious 5-bedroom, 3.5-bathroom home nestled on a quiet street in a prime east-side Winchester location. Classic curb appeal greets you with a timeless brick front, framed by gorgeous mature trees that offer natural shade, privacy, and lush beauty. Step inside to an elegant two-story foyer flanked by formal living and dining rooms, setting the stage for easy entertaining. The main level shines with gleaming hardwood floors throughout most of the living areas and flows effortlessly into a sun-filled kitchen. Outfitted with a convenient breakfast bar and pantry, the kitchen centers around a bright eat-in nook surrounded by wall-to-wall windows, seamlessly opening to a family room complete with a cozy gas fireplace. A convenient half bath rounds out the main floor. Upstairs, you will find a spacious primary suite featuring a large walk-in closet and a beautifully appointed attached bath with dual/split vanities and a relaxing corner soaking tub. The upper level also includes three additional bedrooms, another full bath, and convenient upper-level laundry. Brand-new carpet flows across both sets of stairs and three of the upper bedrooms—including the primary—while the fourth bedroom features classic hardwood flooring. The mostly finished basement features fresh carpet and offers endless possibilities for versatile living. A large recreation room provides the perfect layout for movie nights, an extra living area, a playroom, home office, or a dedicated workout space. It also boasts a private fifth bedroom alongside a full bathroom, ideal for extended family or overnight visitors. Practical functionality continues with an unfinished storage room and a fantastic workshop complete with built-in cabinetry and framed pegboard for tool organization. The outdoor setting is a true standout, featuring a covered deck off the main level where you can unwind rain or shine. Tucked seamlessly into a canopy of mature trees, the backyard offers exceptional privacy in a peaceful, serene environment. Lower-level access leads directly out to a covered patio and open deck, creating an ideal layout for outdoor entertaining or quiet mornings surrounded by nature. Complete with an attached 2-car garage for easy parking and extra storage, this move-in ready home delivers space, comfort, and character in an unbeatable location.

Highlights

Listed by Daniel J Whitacre , 5403276718 Colony Realty , 5406620323. Bright MLS

Property Type

Residential

Lot/Acreage
0.32

HOA Fee

130 Annually

Year Built

1996

County

Frederick

Neighborhood

Pioneer Heights

School District

Frederick County Public Schools

Listing ID

VAFV2044852

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Built-In Microwave, Dishwasher, Oven/Range - Electric, Refrigerator, Washer, Dryer
Air Cond:Central A/C
Fireplaces:Gas/Propane,1 Fireplace
Floor:Carpet,Ceramic Tile,Hardwood
Above Ground Sq Ft:2476
Below Ground Sq Ft:814
Basement:Interior Access,Connecting Stairway,Partially Finished,Walkout Level,Windows,Workshop
Other:
  • ▪ Additional:Bathroom - Soaking Tub, Bathroom - Tub Shower, Bathroom - Stall Shower, Carpet, Ceiling Fan(s), Chair Railings, Crown Moldings, Dining Area, Family Room Off Kitchen, Formal/Separate Dining Room, Kitchen - Eat-In, Kitchen - Table Space, Pantry, Primary Bath(s), Recessed Lighting, Walk-in Closet(s), Wood Floors, Breakfast Area
Water:Public

Exterior Features

Lot:Not New Construction,Horse Property: No
Garage Capacity:2
Zoning:RP
Roof:Asphalt
Sewer:Public Sewer
Parking Features:Garage - Front Entry,Inside Access,Garage Door Opener,Attached Garage,Driveway,Off Street,2+ Spaces,1+ Spaces
Principal Interest
$2,828
Taxes
$192
HOA
$130

Home Price

$539,900

Loan Details

30 yrs
6.844%

Down Payment

20%
$107,980
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,828.47

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,828.47 $191.67 $130.00 $3,150.13
Yearly $33,941.59 $2,300.00 $1,560.00 $37,801.59
Total $1,018,247.75 $69,000.00 $46,800.00 $1,134,047.75
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Winchester, VA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bright MLS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-11-14T01:13:51.000Z

© 2026 Bright MLS