# 12089 Monterey Road, Ruther Glen, VA 22546 > **TL;DR:** 3bd/3ba single family, $402,000 ($199/sqft), built 2024, 2,016 sqft. > A/C. Est. $3,350/mo. Listed 17 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $402,000 | | Price/sqft | $199 | | Bedrooms | 3 | | Bathrooms | 2 full, 1 half | | Square Feet | 2,016 | | Year Built | 2024 | | Lot Size | 12,253 sqft (0.28 acres) | | Stories | 2 | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 17 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,033 | | Estimated Insurance | $117 | | HOA | $1,200 | | **Total** | **$3,350** | ## Nearby Schools - **Elementary:** Madison - **Middle:** Caroline - **High:** Caroline ## Key Amenities - A/C ## Property Highlights - Built in 2024 - 0.28 acre lot - 2 stories ## Description ### Agent Description This is the home you have been waiting for located in Caroline Pines subdivision which is half way between Richmond VA and Fredericksburg VA. It's perfect for commuters, and it gives you the ability to own a newer home towards Northern VA at a reasonable cost. As you enter the front door you will notice the abundance of natural light that illuminates through the large open family room and office/recreation room. The primary bedroom suite which features 2 walk-in closets and a marble tiled bathroom are also on the first floor. The half bath and laundry room finish off the first floor. The second floor houses the beautiful kitchen with white cabinets and stainless steel appliances. The natural light coming through the windows upstairs gives the living room the feel of a sun room. This space is a great space for family and friends to eat and socialize. There are 2 more large bedrooms and a full bathroom on the second floor along with ample closet space. You can entertain guests outside on the deck or relax and enjoy the scenic views of nature. If you need storage space, there is ample room in the detached shed to store items. Sellers are offering $9000 towards closing cost or buyer can use it for a 2/1 buydown of the mortgage interest rate. Use Showing Time to schedule showings. Act fast so you don't miss out on this lovely home! ## Location - **Address:** 12089 Monterey Road, Ruther Glen, VA 22546 - **County:** Caroline - **Neighborhood:** Caroline Pines - **Coordinates:** 37.895663, -77.439858 - **Google Maps:** https://www.google.com/maps?q=37.895663,-77.439858 ## Listing Agent - **Name:** Camona Murray · **License:** 0225228917 - **Brokerage:** United Real Estate Richmond - **Broker Phone:** (804) 359-9200 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/12089-Monterey-Rd_Ruther-Glen_VA_22546_M93829-60911?f=listhub&s=CVRMLS&m=2627847&c=propsimple) ## Photos ![12089 Monterey Road - Photo 1](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f3916688891r.jpg) ![12089 Monterey Road - Photo 2](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f683321969r.jpg) ![12089 Monterey Road - Photo 3](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f2004442573r.jpg) ![12089 Monterey Road - Photo 4](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f144671177r.jpg) ![12089 Monterey Road - Photo 5](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f2037473823r.jpg) ![12089 Monterey Road - Photo 6](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f2357572541r.jpg) ![12089 Monterey Road - Photo 7](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f3263668771r.jpg) ![12089 Monterey Road - Photo 8](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f985073673r.jpg) ![12089 Monterey Road - Photo 9](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f3995059445r.jpg) ![12089 Monterey Road - Photo 10](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f221449995r.jpg) ![12089 Monterey Road - Photo 11](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f3715609569r.jpg) ![12089 Monterey Road - Photo 12](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f1111158298r.jpg) ![12089 Monterey Road - Photo 13](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f3920377338r.jpg) ![12089 Monterey Road - Photo 14](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f4282785627r.jpg) ![12089 Monterey Road - Photo 15](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f270448478r.jpg) ![12089 Monterey Road - Photo 16](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f1366121573r.jpg) ![12089 Monterey Road - Photo 17](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f2236658853r.jpg) ![12089 Monterey Road - Photo 18](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f947408106r.jpg) ![12089 Monterey Road - Photo 19](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f471408552r.jpg) ![12089 Monterey Road - Photo 20](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f3946164963r.jpg) ![12089 Monterey Road - Photo 21](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f1931500243r.jpg) ![12089 Monterey Road - Photo 22](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f799087180r.jpg) ![12089 Monterey Road - Photo 23](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f3543813352r.jpg) ![12089 Monterey Road - Photo 24](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f3177346353r.jpg) ![12089 Monterey Road - Photo 25](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f1996960621r.jpg) ![12089 Monterey Road - Photo 26](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f3330206967r.jpg) ![12089 Monterey Road - Photo 27](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f1703563376r.jpg) ![12089 Monterey Road - Photo 28](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f3031355989r.jpg) ![12089 Monterey Road - Photo 29](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f1316092870r.jpg) ![12089 Monterey Road - Photo 30](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f4091835412r.jpg) ![12089 Monterey Road - Photo 31](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f2762361545r.jpg) ![12089 Monterey Road - Photo 32](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f1962156044r.jpg) ![12089 Monterey Road - Photo 33](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f1381392493r.jpg) ![12089 Monterey Road - Photo 34](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f3160039215r.jpg) ![12089 Monterey Road - Photo 35](http://lh.rdcpix.com/f20ea8d6d06e1375f6bbc68a794a383cl-f554323545r.jpg) --- **MLS#:** 2627847 | **Updated:** 2026-10-31 **Source:** listhub *Copyright © 2026 Central Virginia Regional Multiple Listing Service. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/12089-monterey-road-ruther-glen-va-22546-2c91f99094f04e9681a1656c1937a41c) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/12089-monterey-road-ruther-glen-va-22546-2c91f99094f04e9681a1656c1937a41c#listing", "url": "https://www.propertysimple.ai/listing/12089-monterey-road-ruther-glen-va-22546-2c91f99094f04e9681a1656c1937a41c", "name": "12089 Monterey Road, Ruther Glen, VA 22546", "description": "This is the home you have been waiting for located in Caroline Pines subdivision which is half way between Richmond VA and Fredericksburg VA. It's perfect for commuters, and it gives you the ability to own a newer home towards Northern VA at a reasonable cost. 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