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.

$699,000
3 Beds 3 Baths 120379 MLS
You might just feel like you're at sleepaway camp from the spacious screened porch overlooking Horn Harbor in Burgess. More than just a sitting area, this porch is made for living—grilling, dining, dancing, game nights, and plenty of space for outdoor lounging. Enjoy wide water views and deep water (over 6 feet at the dock). The waterfront setup includes a boathouse with attached workshop, covered kayak storage, plus electricity, running water, and a boat lift. By water, cruise over to Horn Harbor Restaurant, or walk less than 0.2 miles to Easy Wind Farm for live music and local fun. Newsome's Restaurant and additional shopping are just a short drive up Route 200. Inside, the main level offers two bedrooms—one with a private bath and the other with access to a full hall bath. The open-concept living space features a wood-burning fireplace and flows into a large kitchen, all designed to take in those water views. Downstairs, the spacious primary suite includes a second wood-burning fireplace, walk-in closet, small office, and a bathroom with both a shower and jetted tub. And yes—there's even a third fireplace that's electric to enjoy while you soak. Home includes a generator. Set on 1.95 acres with a gently sloping driveway, this property offers privacy, space, and no HOA. Ideally located just 90 minutes from Richmond and 2.5 hours from Washington, D.C. Great waterfront. Great location. Plenty of room to unwind. Private driveway, no turn around, please make an appointment, we would love to get you in for a tour!

265 Horn Hbr, Burgess

$797,000
2 Beds 2 Baths 120500 MLS
In the quaint waterfront community of Deltaville, where life revolves around the water, this charming riverfront home offers sweeping views of the Rappahannock River stretching into the Chesapeake Bay. Here, you'll enjoy a truly intimate connection with the ever-changing blues, greens, and grays of the water and sky. From the moment you step inside, a spectacular wall of windows frames the river beyond, filling the living room, dining area, and kitchen with natural light and breathtaking views. Originally built in 1940 and expanded in 1980, the home beautifully blends classic character with comfortable waterfront living, featuring heart pine floors throughout much of the home and inviting gathering spaces designed to embrace the scenery. The first-floor primary suite includes an adjoining TV room with a built-in sofa that converts to a bed, for additional guest sleeping space. Upstairs, a loft-style room provides flexible space for multiple beds, a home office, or creative retreat. A fabulous screened porch ties everything together, an essential for waterfront living, where days can be spent watching ships pass on the Chesapeake, dolphins play in the Rappahannock, or savoring sunset dinners. Exterior highlights include a new metal roof (2024) with transferable warranty, a 10' x 16' shed with electricity, and an outdoor shower. The waterfront has approximately 70 feet of riprapped shoreline, along with new stairs leading to a sandy sitting area by the water. With a sandy river bottom ideal for swimming, this property offers the perfect setting to relax and enjoy river life.

24 Orion Ave, Deltaville

$1,349,000
4 Beds 3 Baths 120420 MLS
Southern Living Bay Cottage on Harvey's Creek with incredible Bay and water views with all the charm you could ever desire. Picture perfect point lot with 700ft+ feet of waterfrontage Bay and wildlife views, sand beach, tidal pond, beautifully landscaped grounds.Open living/kitchen with fireplace, cozy family/media room, 2 bedrooms & bath on main level and 3rd bedroom with bath, laundry room and office loft on 2nd level. Cottage is connected by two covered porches to a 2 car oversized garage with outdoor steps from porch up to guest quarters with 4th bedroom with bath. Enjoy the outside grilling deck off the cottage family room. Additional land features include detached playhouse with downstairs game/media area and upstairs kids sleep out over game room. Outside features include firepit, fantastic water views in all directions, waterside lounging area, great dock, two lifts, water and electricity, plus room for all the water toys and fishing gear. This is a river compound designed for just you or all your family & friends. Beautiful privacy, great community, etc. There is a controlling depth at mouth of Harvey's Creek but accommodates most size power boats. 2.05 acres of privacy in a sought-after community. Features: 4 bedrooms, 4 baths, bulkhead shoreline, conditioned crawl space, generator, sand beach, dock and 15 minutes to Kilmarnock, Country club and all the area's special features. Perfect primary or second home. Home is being sold furnished except for some personal items. A list is available. Make an appointment to visit this ideal waterfront property.

1513 Harding Rd, Heathsville

$2,495,000
4 Beds 3 Baths 120457 MLS
Set on over 13 breathtaking acres, this exceptional waterfront estate offers the rare combination of wide, unobstructed views to the Chesapeake Bay & the protection of Harveys Creek, creating the perfect balance for boating & relaxing. The property is a waterfront dream, featuring TWO piers (3-4'MLW), including one with a boathouse, a sandy beach, & abundant shoreline to enjoy. This stately two-story brick Colonial is privately sited & surrounded by natural beauty, offering a truly serene & secluded setting. Inside, you'll find hardwood floors, two fireplaces, & an updated kitchen with stainless steel appliances, & a cozy breakfast nook. A light-filled sunroom invites you to unwind while soaking in the water views. The first-floor ensuite bedroom provides convenience & flexibility, while upstairs offers three additional bedrooms, including a waterfront ensuite paired with a spacious bonus/laundry room. Complementing the main home is a well-appointed guest house with 3 bedrooms, & generous living, dining, kitchen, & family room spaces—ideal for extended family, guests, or potential rental income. Additional improvements include a detached two-bay garage & expansive open land, perfect for horses, recreation, or creating your own private compound. Also includes a Waterfront Lot that perks for a 4-bedroom septic. A truly distinctive offering, this luxury waterfront property presents endless possibilities, whether as a legacy family estate, equestrian retreat, or iconic Northern Neck getaway. Opportunities like this are rare & not to be missed. *See Featured Sheet*

430 Harveys Neck Rd, Wicomico Church

$1,550,000
4 Beds 3 Baths 120475 MLS
Located on the breathtaking Rappahannock River where it joins with the Chesapeake Bay, this exceptional waterfront property offers unforgettable sunrises, glowing sunsets, and ever-changing panoramic vistas that captivate throughout the day. Enjoy your own private sandy beach and a protected boat slip with approximately 3' MLW—perfect for effortless days on the water. (A DOCK CAN BE BUILT, OWNERS HAVE A KING'S GRANT) This unique coastal site truly offers three properties in one. The original home, circa 1904, is rich in character with high ceilings, hardwood floors, and thoughtful additions and upgrades over time. It features formal living and dining rooms, along with a kitchen that opens to a comfortable family room—all designed to take in the stunning waterfront views. Upstairs, you'll find four bedroom areas and two full bathrooms, including a serene primary waterfront ensuite. Connected by a breezeway, the three-bay garage is topped by a beautifully finished apartment featuring vaulted ceilings, a full kitchen, living and dining area, and a private ensuite bedroom. On the opposite side of the property, a second detached garage also offers a full apartment above, complete with an open-concept layout with living space, kitchen, sleeping area, and full bath. Whether you're looking to host extended family and friends or generate income with multiple rental opportunities, this versatile property delivers. Ideally located just minutes from town and within an easy drive to Richmond, this is a rare opportunity to own a truly special waterfront retreat.

2414 Windmill Point Rd, White Stone

$549,000
3 Beds 2 Baths 120469 MLS
98 Presley Drive, Heathsville, VA — Enjoy waterfront living on beautiful Presley Creek in the sought-after waterfront community of Potomac Bay Estates. Situated on approximately 1.35 acres, this attractive property offers sweeping water views, a protected shoreline with stone revetment, and a peaceful setting surrounded by well-maintained homes and friendly neighbors. The home features 3 bedrooms and 2 full baths with a spacious, open-concept layout that combines the kitchen, dining, and living areas into one huge great room — perfect for everyday living and entertaining. The primary suite is privately situated on one end of the home and includes a spacious bathroom and closet, while the guest bedrooms are located on the opposite side for added privacy. A walk-in utility room with washer and dryer adds convenience. Relax and enjoy the waterfront lifestyle from the open front porch or the screened porch overlooking Presley Creek. Outside, the pier includes a personal watercraft lift and attached floating dock, making it ideal for kayaks and enjoying time on the water. The backyard fire pit area creates the perfect gathering spot for family and friends, while the large storage shed provides excellent space for lawn equipment, garden tools, and water toys. Whether you are looking for a primary residence, weekend getaway, or short-term rental opportunity, this property offers tremendous value. Nice waterfront homes in this price range are becoming increasingly hard to find.

98 Presley Dr, Heathsville

$3,200,000
13 Beds 8 Baths 120398 MLS
"Bayhamas" is a rare Chesapeake Bay waterfront compound offering an extraordinary combination of scale, privacy, sandy beach shoreline and panoramic water. Privately sited on over 4 acres with 423 feet of shoreline overlooking the Chesapeake Bay, this remarkable coastal retreat captures breathtaking sunrises and the soothing rhythm of waterfront living at its finest. Built in 2005 and extensively renovated in recent years, the residence encompasses nearly 11,800 square feet with a dramatic contemporary coastal design highlighted by soaring 44-foot ceilings in the great room, walls of glass and expansive living spaces designed to accommodate large gatherings while remaining warm and inviting. The property features 13 bedrooms, multiple additional sleeping/flex rooms, 8 full baths and 3 beautifully updated kitchens. Thoughtfully designed for multi-generational living and entertaining, the home includes two substantial “lockout-style” guest wings, each functioning as private two-story living quarters with full kitchens, ideal for extended family and guests. A screened porch, expansive waterside decking, multiple gathering spaces, fireplaces and two saunas further enhance the resort-like atmosphere. The private sand beach is exceptional for the area and creates an unforgettable setting for waterfront relaxation. A standing seam metal roof, three-car garage, mature trees and beautifully scaled approach complete the offering.

3315 Windmill Point Rd, White Stone

$2,495,000
8 Beds 4 Baths 120395 MLS
On a picturesque country lane at the confluence of the Rappahannock River and the Chesapeake Bay, this exceptional property showcases the remarkable features of its setting: stunning vistas of the bay, a narrow barrier island, a sandy shoreline, breathtaking sunrises, and moonrises on the shimmering Rappahannock River. A winding lane meanders through the park-like grounds with expansive lawns and mature trees, offering glimpses of the Bay. Built in 1940, this rambling Tidewater design is situated on a knoll, providing privacy and elevation. The home boasts a spacious living room with a masonry fireplace, which opens onto a large deck. This deck highlights the spectacular view, allowing you to enjoy the soothing sound of waves lapping against the shoreline and the gentle bay breezes. The light-filled dining room is simple yet elegant. For a more relaxed gathering space, there is the cozy family room with a full bath. Overlooking the water, the kitchen includes a bright breakfast nook. The expansive first-floor primary bedroom features its own fireplace and private riverside deck. The second floor is divided by an upper hall with an office, two bedrooms, a bath on one side, and a hall bath with two bedrooms on the other. The pool terrace opens off a screened porch, facing the river. The attached 3-bay garage can house automobiles, boats, bikes, and golf carts. Down the gentle hill is a waterside deck leading to the private dock and sand beach. This is the perfect location to realize the dream of a life on the Chesapeake Bay shoreline that will be an enduring family tradition.

2276 Mosquito Point Rd, White Stone

$1,400,000
4 Beds 3 Baths 120533 MLS
Northern Neck Amazing +5.114 acres zoned B-1 offers +470' waterfrontage on Nomini Creek. Home (+2599 sq ft) offers: Primary Bedroom suite with half bath & WI closet, 3 guest bedrooms, 2 Full Baths, bonus room, kitchen with walk-around pantry washer/dryer, dining room, living room, foyer, glass enclosed sunroom/porch, elevator, partial basement/partial crawlspace. Additional interior photos coming soon! Commercial Building/Warehouse (+ 6200 sq ft) offers: 2 store front/rental area with half baths, small workshop area, large workshop area, spacious storage area, upper level partially floored storage area. Cottage (+896 sq ft) offers living room, kitchen with dining area/room, spacious bedroom with half bath, office, bonus room, screened enclosed porch area, and deck. Apartment/Garage (+1008) living space) offers upper level living - primary bedroom with full tub bath, guest bedroom, full shower bath, kitchen/greatroom, enclosed sunroom/family room. Lower level offers central utility room with apartment and cottage, several open slips for storage, covered patio for outside entertaining/relaxing. Spacious Green House. Crabshack with deep water pier offers several boat slips on Nomini Creek just a short distance to the Potomac River. This property also offers building area overlooking Nomini Creek. Seller is also including a lot in nearby Glebe Harbor Community (+ 5 miles away) which would allow new owners access the Glebe Harbor amenities - Club House, Swimming Pool, Playground, Tennis/Pickle Ball Courts, Sand Beach, Boat Launch. Schedule to view today!

3629 Cople Hwy, Montross

$475,500
3 Beds 3 Baths 120528 MLS
WATERFRONT only steps away from your back deck to your owned pond. This stunning ranch-style home sits on 5.35 acres and is sure to impress. The semi-open-floor plan has 12' ceilings with recessed lighting, allowing you to enjoy a more spacious living experience that maximizes every square foot. The living room includes a cozy gas fireplace overlooking the backyard through expansive, tall 14' x 8' windows and a large sliding glass door that leads from a wood-floored living room to the 17' x 34' Trex wood deck. You'll love entertaining holiday guests in your luxurious kitchen, which includes a granite breakfast bar, granite countertops with a vegetable sink faucet, a kitchen nook beside an oversized 8' x 6' bay window, stainless steel appliances, special kitchen cabinets, and an indoor stovetop grill. The huge master bedroom suite provides a jacuzzi tub, a shower with custom spa steamer, double sinks, a closet with a dressing area, double shelving & an organization tower, and a door leading to the outside deck. All 3 bedrooms have private full bathrooms, providing a variety of living situations and privacy. Other features include a 16' x 24' family room, a separate dining room, a separate laundry room, and a 2-car garage w/workshop area. The 6' x 36' covered front porch has ceiling lights and is a great place to relax, unwind, and watch the geese fly by. "When in doubt, fish". Freshwater Bass fish are being caught in the pond. This stylish custom home is for those seeking upscale living. It's time to make your dream home a reality! Home Warranty Included. Plat available.

202 Baylor Dr, Montross

$1,249,500
3 Beds 2 Baths 120418 MLS
SUNSETS, WIDE water views, DEEP water, & a waterfront POOL, this is the kind of property people wait for. Perfectly positioned on Antipoison Creek just off the Chesapeake Bay, this exceptional waterfront retreat offers the rare combination of protected water & 5+' MLW at the private pier. The private dock is ready for serious boating with a boat & jet ski lifts, while also offering the simple pleasures of coastal living, crabbing, fishing, & even oyster growing right from your own shoreline. Outdoor living takes center stage with an expansive composite deck that wraps around a sparkling waterfront pool, an ideal setting for entertaining or simply unwinding as the sun sets across the water. A screened porch & outdoor shower complete the effortless indoor-outdoor lifestyle. Inside, the home is filled with warmth & charm. Vaulted ceilings & shiplap accents create a relaxed coastal feel, anchored by a stone fireplace with gas logs. Bamboo flooring flows through the open living, dining, & kitchen areas, where granite countertops & easy flow make everyday living & entertaining a breeze. The sunroom is a standout feature, wrapped in 3-walls of sliding glass doors that bring in natural light & panoramic water views, with direct access to the screened porch. The primary suite enjoys its own porch access, generous closet space, & a private bath. Two guest bedrooms are thoughtfully located on the opposite side of the home, along with a beautifully updated bathroom. Low-maintenance grounds, a circular driveway, & a storage shed. Easy reach of Richmond!

325 Deep Water Dr, White Stone

$1,495,000
3 Beds 3 Baths 120346 MLS
Extraordinary waterfront estate on protected Lowry's Creek with quick access to the Corrotoman River. The private pier is designed for serious boaters, offering multiple slips, approximately 6' MLW, a covered boat lift, and room for a sailboat, providing exceptional deep, protected water. Privately tucked behind a gated entrance, this remarkable property spans over 19 acres with more than 600 feet of waterfront, surrounded by mature trees for unmatched privacy. With no restrictions and horses welcome, the possibilities are endless. The custom-built residence is an architectural masterpiece featuring a striking curved brick entrance, dramatic two-story arched foyer, soaring 21-foot ceilings, a grand fireplace, an impressive two-story library, and a custom lighthouse observation room with panoramic views of the waterfront and surrounding countryside. The flexible floor plan easily accommodates multiple bedrooms, guest suites, offices, or hobby spaces. A true standout for collectors, the property offers multiple climate-controlled garage spaces, including a showcase bay for classic or exotic automobiles, plus a large RV/carport for boats, RVs, and recreational equipment. Beautifully landscaped grounds and tranquil waterfront views complete this extraordinary offering—an exceptionally rare opportunity combining deep-water boating, collector-quality conditioned garage space, over 19 private acres, equestrian potential, and one-of-a-kind architectural design.

1167 Ottoman Ferry Rd, Lancaster

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