Northern Neck Real Estate Search

Waterfront Homes for Sale

The counties of Westmoreland, Richmond, Northumberland, and Lancaster comprise the Northern Neck of Virginia which is bounded by the Chesapeake Bay on the east, the Rappahannock River on the south, and the Potomac River on the north. With an abundance of water in the region, there is also an abundance of Northern Neck waterfront homes. Waterfront homes in the Northern Neck include a vast array of properties ranging from small houses with modest listing prices to sprawling estates and acreages with private shorelines and incredible views. 

Richmond County waterfront homes include properties along several waterways. Bodies of water in the county include Farnham Creek, Lancaster Creek, and Totuskey Creek. Similarly, there are remarkable waterfront homes in Northumberland County along numerous bodies of water, such as Ingram Bay, Great Wicomico River, Cockrell Creek, Dividing Creek, Indian Creek, Mill Creek, and Tipers Creek. Westmoreland County also has waterfront homes, and encompasses the Yeocomico River, Popes Creek, and Mattox Creek, while Lancaster County is home to Fleets Bay, the Eastern and Western Branches of the Corrotoman River, Indian Creek, Dymer Creek, Carters Creek, Tabbs Creek, and Antipoison Creek.

Middlesex and Essex Counties also have incredible waterfront homes near the Northern Neck. Middlesex has eighty square miles of waterfront and is home to the charming waterfront communities of Saluda, Deltaville, and Urbanna. Essex County also has miles of waterfront and is well-known for its excellent fishing, boating, river cruises, lovely beaches, and vacation homes. Some waterfront homes in the Northern Neck area provide stunning views only, while others offer water access with piers, boat ramps and similar amenities. Whichever kind of waterfront home you are seeking, we would love to assist you, so please connect with us as soon as you are able and we will provide you with more specific information about the available waterfront homes in the Northern Neck of Virginia and other nearby counties.

$899,000
3 Beds 4 Baths 120997 MLS
SHOWINGS START ON FRIDAY, 9/18/26 AT 12NOON..... Interior photos will be posted prior to 9/18.... New construction and exceptional waterfront living come together in this beautifully built 2026 home in Bay Quarter Shores. Designed to take full advantage of its setting, the home features a spacious floor plan, generous rooms, and abundant glass showcasing sweeping views of the Potomac River toward the Chesapeake Bay. Each bedroom is its own private suite, with 3 baths total, complemented by engineered wood flooring, solid interior doors, tile showers, granite countertops, and quality finishes throughout. Construction features include 2x6 exterior walls with R-19 insulation, a conditioned crawlspace, engineered I-joist/LVL and Advantech subfloor systems on both levels, 5/8" plywood roof sheathing, lifetime-warranty shingles, premium vinyl siding, PVC exterior trim, and a stone-faced masonry foundation. Outside, enjoy a rip-rap protected shoreline and private dock with water depth suitable for most powerboats. Bay Quarter Shores amenities—including a sand beach, pool, clubhouse, playground, boat launch, and sports courts—are just a short distance away, and the community allows golf cart transportation. High-speed internet and community water are also available. With very few newly constructed waterfront homes available, this is a rare opportunity to enjoy a quality-built home with endless Potomac River views.

938 Bay Quarter Dr, Heathsville

$1,999,650
4 Beds 4 Baths 120993 MLS
Offered for the first time, this exceptional residence sits on the scenic Corrotoman River in Weems. This 4,436 sq. ft. two-level transitional home was built in 2015. A long tree-lined driveway leads to this distinctive stone-accented home, set on 2.23 acres in an exclusive 14-home waterfront community. This extraordinary site offers wide western river views, magnificent sunsets and a rare natural SAND BEACH. Upon entering, the dramatic two-story foyer opens to an elegant dining room with a tray ceiling on the right and an airy living room with a vaulted ceiling on the left. From the foyer, enter the expansive great room showcasing a coffered ceiling, stone fireplace and built-ins. Open to the great room, the kitchen offers custom cabinetry, granite counters, stainless appliances, a center island, and a bay-window breakfast room. The main level owner's suite boasts a wall of windows framing river views and glowing evening skies. The suite includes a spacious bath with dual vanities, soaking tub, and oversized tiled shower. Upstairs are three bedrooms, two full baths, a loft, and a flexible ~500 sq. ft. bonus room offering great versatility. The outdoor living is equally impressive, with a covered waterfront porch, open deck, a year-round swim spa, and a dock with boat and jet ski lifts, water, and power. An oversized two-car garage completes this property. An exceptional opportunity to own a riverfront retreat with awesome views and a SAND BEACH in Virginia's desirable Northern Neck with miles of the Chesapeake Bay to explore.

1226 Indiantown Rd, Weems

$870,000
4 Beds 3 Baths 120987 MLS
Waterfront Living at Its Finest Experience the best of waterfront living in this beautifully renovated, custom-built 3,200-square-foot home, ideally situated just minutes from the Chesapeake Bay. Designed for both comfortable everyday living and effortless entertaining, this exceptional 4-bedroom residence offers stunning creek and Chesapeake Bay views from the new hardscape patio and expansive screened porch. The main level features a spacious primary suite with a walk-in closet and beautifully renovated private bath. An optional second main-level bedroom or office provides flexibility for guests, a home office with high speed Internet, or one-level living. The generous dining room is perfectly suited for large family gatherings and memorable entertaining. The renovated kitchen is both stylish and functional, featuring granite countertops, stainless steel appliances, a double oven, and a convenient butler's pantry. Throughout the exterior, enjoy new Trex-style decking, two fire pits, and multiple spaces designed to take full advantage of the tranquil waterfront setting. For boaters and hobbyists, the detached garage/workshop features tall doors, making it ideal for boat storage and additional recreational equipment. Enjoy easy access to the rip-rapped shoreline and private dock, while the protected elevation provides peace of mind. Upstairs are three additional bedrooms, including one that could serve as a bonus room over the garage. Another bedroom includes an attached “kids room,” offering an ideal space for additional sleeping accommodations, a playroom, craft room, or private retreat. The community offers a boat ramp & dock just steps away from the home, a secured storage area for boats & trailers and a private white sand beach on the Chesapeake Bay, just a short walk or golf cart ride away.. Public sewer system allows unlimited numbers of family & friends and the VDOT maintained roads offers peace of mind with low HOA dues. High speed Internet available

766 Twin Harbor Rd, Reedville

$625,000
3 Beds 3 Baths 120974 MLS
With unsurpassed land and water locations, these three properties constitute this life-enhancing offering. A very well conditioned home with many features that both accommodate and facilitate practical enjoyment and emotional peace of mind may be purchased in either of two ways. It shall be conveyed with two, contiguous parcels, one of which is waterfront. It may be conveyed with a third parcel that is also waterfront and is not continuous with the other two, but is only about a two-minute golf cart ride away. The two waterfront parcels have docks. The separate parcel has 4' MLW; both have pleasant views. These properties are on a cove of Indian Creek and are a ten-minute golf cart ride from the amenities of Indian Creek Yacht and Country Club and a ten-minute ride to the conveniences and services of Kilmarnock. By the way, you can be in Chesapeake Bay in a few minutes, depending on your preference for boating. The home has an abundance of natural light along with an equally pleasing floor plan. An owner's suite is on the main level, while two guest bedrooms and a second full bathroom are on the upper level. The gathering spaces include a stylish, utilitarian kitchen area and similar sitting and dining areas. A most reliable measure of the pristine privacy is a most enjoyable outside shower! After all, the home and a terrific gardening shed/ workshop are immersed in a wooded, open naturalist setting. The screened porch and decks are ample in their accommodation of fun and enjoyment as well.

261 Tuckahoe Dr, Kilmarnock

$1,350,000
3 Beds 4 Baths 120919 MLS
Beautiful Dymer Creek views welcome you from nearly every room of this thoughtfully designed waterfront home. Large picture windows greet you as you enter, drawing your eye to the sparkling water. Set on almost an acre of beautifully landscaped grounds, the property features a two-level deck and private pier with boat lift, ready for your next Chesapeake Bay adventure.Or gather on the paver patio around the propane fire pit beneath star-filled skies. Inside, the welcoming living room features a dramatic picture window overlooking the Creek. Adjacent is a another more casual living room with gas-log fireplace and dining space framed by water views. The updated kitchen offers a breakfast area and direct access to the waterside deck, with the formal dining room just steps away.The main-level primary suite features a custom walk-in closet with built-in drawers and vanity, plus an ensuite bath with walk-in shower and soaking tub. Upstairs, a spacious landing is the perfect spot for a sofa, reading chair and a good book. Two guest bedrooms, including one ensuite, share access to a hall bath. A generously sized upstairs den features another gas-log fireplace and plenty of room to relax, gather, or create a den getaway or office with spectacular views. A special loft with a glass porthole window adds a playful maritime touch.This is more than a waterfront property it is a home designed around the beauty, rhythm, and joy of life on the water.

731 Flowering Fld, White Stone

$2,195,000
4 Beds 6 Baths 120903 MLS
Exceptional waterfront living on Dividing Creek! This pristine, high-quality home is beautifully situated with long water views, no flood zone, and a level walk to the private pier. Boaters will love the deep, protected water with 5–6' MLW, a large boat slip, and a 10,000-lb boat lift. The outdoor amenities are outstanding! Enjoy the heated saltwater pool, attached hot tub with a waterfall, travertine patio, and built-in gas firepit. Entertain family and friends around the commercial-sized, dual-fuel Italian pizza oven or the wood-burning firepit with a custom oyster-roasting grate. High-quality and coastal custom-built residence. The open living area offers a wood-burning fireplace and double sliders to the screened porch. The gourmet kitchen is equipped with a large center island, Wolf range with six burners, two ovens and a double griddle, Sub-Zero refrigerator, Wolf steam oven, Cove dishwasher, and an impressive wet bar with two drawers and a wine fridge. The waterfront primary suite opens to the screened porch and includes two custom walk-in closets and a luxurious bath with a tiled shower and copper soaking tub. Upstairs offers three additional bedroom areas and a fabulous waterfront media room with vaulted shiplap ceilings and a wet bar. Five bedroom areas; four-bedroom septic. Additional highlights include an attached two-car garage, detached garage, whole-house generator, fiber-optic internet, commercial Wi-Fi, conditioned crawl space, and extensive smart-home features. Conveniently located just minutes from Indian Creek Yacht & Country Club and Kilmarnock.

311 Grove Point Rd, Kilmarnock

$399,900
3 Beds 3 Baths 120890 MLS
New Construction! 10/1 Delivery.This stunning new construction, two-story waterfront home offers the ultimate peaceful retreat right here in Montross! Introducing 194 Seagull Ct right here in Montross! Built by award-winning Timis Construction, this gorgeous residence includes three bedrooms, two and a half baths, 1,677 square feet of modern living space, a two-car garage, covered front and back porches, direct waterfront positioning, and so much more! It sits on a premier waterfront lot in the Potomac River-Access Cabin Point community in tranquil Westmoreland County. The amenities shine in Cabin Point, featuring access to boating amenities such as two boat ramps, two storage areas, and three beaches! The Potomac River is right there waiting for you. Cabin Point also includes a pool, clubhouse, basketball court, playground, and tennis courts. All of this is covered by a modest $245 annual recreational user fee paid to the county. Beyond the community, you have seamless access to Montross' epicenter at the Montross Marketplace, as well as shopping, grocery, and dining selections all within 15 minutes. The towns of Colonial Beach, Tappahannock, and Warsaw are all within a 35-minute drive, too. The residence follows Timis Construction's Elena floor plan. For parking, there is a two-car garage and, for taking in the serene waterfront landscape, a quaint covered front porch with an oversized entry door. Stone veneer wraps around the lower foundation level and base of the garage. Your backyard waterfront oasis includes a covered back porch made from durable composite deck

194 Seagull Ct, Montross

$1,300,000
5 Beds 6 Baths 120885 MLS
Exceptional Waterfront Living meets the Ultimate Boating Lifestyle.Enjoy protected deep-water access with sweeping views toward open water—perfect for sailing the Potomac River, Chesapeake Bay, and beyond! Paddleboard or kayak on Kingscote Creek, or simply relax by the private pool. South-facing and thoughtfully designed for comfortable living and effortless entertaining, the home offers inviting gathering spaces and peaceful private retreats. The private pier features two oversized slips with more than 7' MLW, including one with Tide Slide mooring that currently berths a 50-foot Jeanneau sailboat. Pier amenities include three lifts for personal watercraft, one adaptable for a small powerboat, water service, two 30-amp outlets, one 50-amp outlet, and a 120-volt outlet; kayak launch. Two guest accommodations add exceptional flexibility: a spacious studio apartment adjacent to the main home and an expansive river-view suite above the four-car garage, plumbed for a future kitchen - ideal for multigenerational living, visiting family and friends, a private office, or creative studio. Bedrooms/Baths/SF inclusive. Fully furnished and meticulously maintained, this exceptional waterfront property is move-in ready. Quality construction, thoughtful design, flexible living spaces, and outstanding boating amenities make this an opportunity not to be missed. Sold As-Is. Buyer to arrange inspections and verify all dimensions, water depths, and other information. Contact your trusted real estate professional or the listing agent to schedule your private tour of this exceptional waterfront retreat.

392 Kingscote Dr, Lottsburg

$1,275,000
4 Beds 2 Baths 120882 MLS
Your private Chesapeake Bay beachfront oasis is here! With approximately 300' of beautiful SAND BEACH, there is plenty of room for beach chairs, water toys, and gatherings with family and friends, or simply relax with a book while listening to the waves. Enjoy expansive Bay views stretching approximately 2.5 miles toward Smith Point Light, along with unforgettable sunrises, passing ships, and incredible stargazing. The outdoor spaces are made for waterfront living, featuring approximately 1,085 square feet of AZEK decking, a screened porch, an outdoor shower with hot and cold water, and a special “fish deck” near the beach with a custom canopy shade. Inside, the home offers open entertaining areas and plenty of flexible space for guests. The main level showcases vaulted ceilings finished in Arkansas Yellow Pine, tile floors, a Radiance propane fireplace, an open dining area, spacious kitchen, multiple outdoor access points, a bedroom, and a full bathroom. Upstairs features a waterfront loft with a plumbed wet bar, 2 bedrooms, a full bathroom, and an amazing sunroom, perfect for watching the shipping channel or gazing at the stars. Continue to the upper level, where you will find a bunk area and another spectacular waterfront loft with panoramic views. A detached 2-car garage includes a large heated and cooled workshop, plus an attached storage area, perfect for tractors, and includes an ice maker plus an RV power hookup. Located in a wonderful social community, this is a special low-maintenance living where fun, relaxation, & Chesapeake Bay memories are waiting!

1098 Tranquility Rd, Reedville

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