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Charlotte Stephenson

Charlotte Stephenson
Real Estate Agent (Broker)
Monterey VA

Broker (VA: 027415)

26 years experience

REALTOR® 15 Active Listings Serves Highland County, VA
View on Realtor.com

Contact Information

Brokerage
Shamrock & Stephenson Realty Inc
Office Address
131 W Main St
Monterey, VA  24465
(Highland County)
Office Phone
540-468-3370
Office Fax
Mobile
540-468-3370
Email
u.c.****@******.org
Show Email for $5

Service Areas

Jolivue: VA Mint Spring: VA Staunton: VA New Hope: VA Fishersville: VA Middlebrook: VA Greenville: VA Highland: VA Blue Grass: VA McDowell: VA Hightown: VA Monterey: VA Mustoe: VA

About Charlotte Stephenson

Highland County, often referred to as Virginia's Little Switzerland, is deeply rooted in agriculture, characterized by expansive fields that support grass-fed cattle, sheep, pigs, and free-range chickens. The region also produces a variety of local goods, including maple syrup, honey, cider, farm-fresh eggs, butter, and seasonal vegetables available at the local farmers' market.

As the least populated county in Virginia, Highland County is free from commercial and industrial development, offering residents pristine air quality and a night sky illuminated by countless stars. The county's hardwood forests provide a habitat for diverse wildlife, including black bears, white-tailed deer, grouse, turkeys, and fox squirrels. Forest management and water quality preservation are critical priorities for the community.

The South Branch of the Potomac River flows northward from the county, while the Jackson River travels south to join the Cowpasture River, ultimately forming the James River, which leads to the Chesapeake Bay. Ensuring the health of these waterways remains a vital goal for local residents.

Charlotte, a lifelong resident of Highland County in the Appalachian Mountains, brings extensive knowledge of the area to her real estate practice. Her expertise assists both buyers and sellers in assessing property values, marketability, and resale potential. Partnering with United Country Real Estate, Charlotte is dedicated to providing exceptional service, fostering a thriving real estate business with a robust inventory of listings and an active buyer network.

Highland County, VA Real Estate Market Analysis (Single Family Homes)

$361,485
Avg. Listing Price
From Charlotte's portfolio
3.4 / 2.2
Avg. Beds/Baths
Typical property size
2,070 sf
Avg. Square Footage
Interior living space
13
Active Listings
Current inventory

Highland County, Virginia represents one of the state's most unique and intimate real estate markets, characterized by its rural mountain setting and remarkably small professional agent network. With just 7 actively licensed real estate agents serving the entire county, this market operates on a deeply personal scale where relationships and local knowledge carry exceptional weight in property transactions.

The scarcity of licensed professionals in Highland County creates an environment where each agent typically maintains extensive territory coverage and develops specialized expertise in mountain properties, agricultural land, and seasonal recreational homes. What's particularly noteworthy is that all 7 active agents maintain email connectivity, suggesting a market that has embraced digital communication despite its rural character and small scale.

Major Highland County, Virginia Real Estate Markets

Highland County's real estate activity centers around the county seat of Monterey, which serves as the primary hub for residential and commercial transactions. The surrounding communities of McDowell, Hightown, and Blue Grass represent smaller but significant markets, particularly for agricultural properties and mountain retreats that attract buyers from urban areas seeking rural escapes.

Unlike Virginia's larger metropolitan markets, Highland County operates as a single, cohesive market area where agents regularly work across municipal boundaries. The county's position along the West Virginia border and its reputation as "Virginia's Little Switzerland" creates unique cross-border dynamics, with agents often handling properties that appeal to buyers from both states seeking mountain recreation and farming opportunities.

Market Dynamics and Geographic Complexity

The extreme concentration of licensed agents in Highland County creates fascinating market dynamics where competition operates differently than in larger markets. With such a small professional network, agents often collaborate rather than compete directly, and referral relationships become crucial for handling the diverse property types that characterize this mountain region, from working farms to vacation cabins.

Geographic complexity plays a major role in Highland County real estate, with elevation changes, seasonal access issues, and varying agricultural productivity affecting property values significantly. The limited number of agents means each professional must develop expertise across multiple property categories, from livestock operations to timber land to recreational properties, making local knowledge and experience exceptionally valuable in this market.

Why Businesses Need Highland County, Virginia Agent Contact Data

For businesses serving the real estate industry, Highland County's small but complete agent network represents a manageable and highly targeted market opportunity. With only 7 agents to reach, companies can develop personalized relationships with the entire professional community, making it an ideal testing ground for new services or a focused market for specialized real estate tools and resources.

The fact that all active agents maintain email addresses indicates a receptive audience for digital services and communications, despite the rural setting. Financial services companies, property management software providers, and marketing services can efficiently reach the entire Highland County market while building deep relationships that often extend beyond county boundaries as these agents frequently network with colleagues in adjacent Virginia and West Virginia markets.

Current Property Listings

As of 2/13/2026, Charlotte Stephenson has 15 properties for sale in Monterey and surrounding areas. These are the top 10 listings.

$25,000

Listed 2024-09-26

High Vly S Lot 75
Monterey, VA  24465

Beds:
Baths:
Sq Ft:
Lot: 218,671 sf
Land Map
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$19,000

Listed 2023-12-04

High Vly S Lot 52
Monterey, VA  24465

Beds:
Baths:
Sq Ft:
Lot: 218,671 sf
Land Map
View Full Details

$35,000

Listed 2024-09-26

Tbd Summit Dr N Summit Dr Lot 86
Monterey, VA  24465

Beds:
Baths:
Sq Ft:
Lot: 297,950 sf
Land Map
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$19,900

Listed 2025-02-24

Summit Dr Lot 89
Monterey, VA  24465

Beds:
Baths:
Sq Ft:
Lot: 220,414 sf
Land Map
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$19,900

Listed 2025-02-24

High Vly N Lot 57
Monterey, VA  24465

Beds:
Baths:
Sq Ft:
Lot: 218,671 sf
Land Map
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$19,900

Listed 2025-02-24

Summit Dr Lot 88
Monterey, VA  24465

Beds:
Baths:
Sq Ft:
Lot: 219,978 sf
Land Map
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$19,900

Listed 2025-02-24

High Vly S Lot 55
Monterey, VA  24465

Beds:
Baths:
Sq Ft:
Lot: 233,482 sf
Land Map
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$25,000

Listed 2025-06-13

N High Vly N Lot 15
Monterey, VA  24465

Beds:
Baths:
Sq Ft:
Lot: 240,887 sf
Land Map
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$195,225

Listed 2025-12-27

1004 Jackson River Tpke
Monterey, VA  24465

Beds:
Baths:
Sq Ft:
Lot: 924,343 sf
Land Map
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$25,000

Listed 2025-06-12

41 S High Valley Dr Lot 41
Monterey, VA  24465

Beds:
Baths:
Sq Ft:
Lot: 217,800 sf
Land Map
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Current Property Rentals

Charlotte Stephenson currently has no rental properties available in Monterey and surrounding areas. Check back later.