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.

$1,375,000
5 Beds 5 Baths 120233 MLS
THESE DO NOT COME AVAILABLE OFTEN!!!!!!Tucked away in a serene and private setting on Mill Creek, 28 East Harmony Circle offers a rare waterfront retreat with breathtaking natural beauty. Boasting over 5+ feet of water depth, this property is ideal for boating enthusiasts and those seeking effortless access to the water. Expansive, unobstructed views stretch across Mill Creek and out to the Chesapeake Bay, creating a stunning backdrop for everyday living and unforgettable sunsets. This exceptional home features 5 spacious bedrooms and 5 baths, with every bedroom designed as a private en-suite offering comfort and convenience for both family and guests. Thoughtfully designed for relaxed coastal living, the home provides ample space for entertaining, unwinding, and enjoying the peaceful surroundings. This property delivers the perfect blend of seclusion and coastal charm. Featuring a large attached 2 car garage and an additional detached 2 car garage to store all your gear along with an additional shed for your lawn implements. This home is also equipped with a generator for worry free living and comfort. Whether you're relaxing in the sun room, hosting gatherings, or heading out on the water, you'll appreciate the privacy and scenic beauty that make this home truly special. Located 15 minutes from Kilmarnock and only 2 minutes to the Chesapeake Bay this is a unique opportunity to own a slice of Virginia's coveted waterfront lifestyle. Adjacent additional 4.03 waterfront acreage is also available for $375,000.

28 E Harmony Cir, Heathsville

$474,900
3 Beds 3 Baths 119997 MLS
This unique offering in Montross, VA, comprises two distinct parcels totaling 4.64 acres, providing a rare combination of privacy and direct water access. The estate features a partially cleared waterfront lot housing the main residence and a separate wooded interior lot, offering a natural buffer and future potential. The residence offers a substantial footprint with 3,648 total square feet, including 2,240 square feet of above-grade living space. Built in 2007, the home is designed to embrace its position on Nomini Creek, which leads directly to the Potomac River. The interior features an open-concept layout defined by soaring vaulted ceilings and a wealth of natural light. This gorgeous home boasts Three large bedrooms, and three full baths. A central kitchen with a breakfast bar serves as the heart of the home, flowing into a dining area that overlooks the water. Hardwood floors run throughout the main living areas, leading to a bright sunroom and a finished walk-out basement that significantly expands the living area with a recreation room and additional guest quarters. The outdoor space is tailored for the water enthusiast, featuring a private pier and dock with a reported water depth of five-plus feet, suitable for various watercraft. Step onto your gorgeous back deck or stone patio for tiered views of the creek and the nearby bridge. New Roof installed in 2025. Property is being sold As-Is, Where-is. All inspections are for informational purposes only.

115 Waterside Ln, Montross

$995,000
6 Beds 5 Baths 119458 MLS
“Northumberland Farm" Built in 1901, this historic home is situated on approximately 34 acres of agricultural land on Cod Creek just off the Potomac River. Freshly painted and updated over the years, this 4600+ square foot home is move in ready. Featuring 6 bedrooms and 4.5 bathrooms, this home boasts 10 foot ceilings on the first floor, a double kitchen with two stoves, two ovens, two dishwashers, an abundance of cabinets for storage, plus a large walk in pantry. The main level primary suite includes a gas fireplace with a large primary bathroom, whirlpool tub, walk in shower, double sinks, walk in closet and separate vanity area. The Guest Suite boasts two bedrooms with a spacious full bath and a great room offering private patio access, the front ingress/egress is discretely located just off the kitchen allowing privacy for guests and family. The seller created (4) separately titled one acre waterfront lots aligned perfectly straight up Cod Creek to the Potomac River with a private pier and 3-4 feet of MLW. This property offers amazing upsides as well as many uses, from a private retreat, to an equestrian dream, the possibilities are endless. Appointments to this farm include Solar backup battery driven power during outages, 4 gas fireplaces, gas range and stove, large walk in cedar closet, chicken coop and run adjoining the three car detached garage, a Gazebo and private cemetery, this one of a kind estate located in the heart of the Northern Neck is a must see!

61 Clarke Ln, Heathsville

$599,000
3 Beds 4 Baths 120144 MLS
Immaculate waterfront house on protected Gardner Creek, 1/4 mile to Potomac River, features a custom remodel with 3 bedrooms and 4 full baths, designed to maximize waterfront views with 2 screened porches and 2 covered porches, solid hardwood floors, crown molding, ceiling fans throughout, and lots of storage area. The 2-bedroom, 3-full bath main home, welcomes you with a large covered front porch before entering into the open kitchen and dining area complete with white cabinetry, upgraded countertops, oversized island, double wall ovens, 2 pantries, and a matching butler's pantry adjoining the kitchen and family room. The family room area provides plentiful seating, a fireplace, natural light, direct access to porches, and a waterside viewing area perfect for watching sunrises. A guest bedroom and office separate the living space and the expansive owner's suite boasting a private bath complete with separate vanities, 6-ft soaking tub, tiled shower, and 2 closets. From the owner's bedroom, French doors open to a screened sitting area. Over the attached garage, find a secluded guest suite affording separate entrance, studio living with sitting room, bedroom full bath, and private access to second-story screened porch. Property is complimented with 3 outbuildings (landscape shed, boat house, and detached single-car garage), a pier with boat lift and fish cleaning station, manicured flowerbeds, perennial flowers and shrubbery, stone driveway, sidewalk, fire pit, and trees.

404 Neptune Ln, Hague

$519,000
3 Beds 2 Baths 120265 MLS
Set along 179 feet of Morattico Creek shoreline, this beautifully renovated waterfront retreat offers the privacy, beauty, and relaxed lifestyle that make Virginia's Northern Neck so special. Nestled on approximately 4 private acres, you'll enjoy peaceful mornings overlooking the creek and evenings gathered around the fire pit as the sun settles over the water. Inside, the open-concept design was thoughtfully renovated to celebrate the view. The beautifully updated kitchen features a striking blue island and backsplash. The home features three bedrooms, two full baths, a split-bedroom floor plan, and three walk-in closets. The spacious primary suite includes a walk-in shower, while the secondary bath offers a soaking tub—perfect for relaxing after a day outdoors. A spacious deck, screened gazebo with electricity, detached cinderblock garage with electric and water, additional outbuildings, and an RV hookup provide exceptional flexibility for entertaining, hobbies, guests, or weekend adventures. Three kayaks with rack convey, making it easy to explore Morattico Creek from day one. Located just minutes by boat from the Rappahannock River and nearby Whelan's Marina, you'll enjoy convenient access to boating, waterfront dining, and adventures on the Chesapeake Bay. By land, the charming towns of Kilmarnock, Irvington, Warsaw, and Urbanna are all within easy reach for boutique shopping, local restaurants, wineries, and seasonal events. Fiber optic internet is available, offering modern convenience while embracing the peaceful pace of waterfront living.

529 Morattico Creek Rd, Farnham

$1,255,000
4 Beds 3 Baths 119529 MLS
Welcome to your own waterfront retreat in Lancaster, Virginia. Located well above sea level on secluded 6.4 acres along the Western Branch of the pristine Corrotoman River. This beautifully renovated home offers deep water with access to the Chesapeake Bay and a lifestyle of comfort, privacy, and recreation. Completely updated from top to bottom, the home features new roof, chef's kitchen, luxurious bathrooms, spacious walk-in closets, and freshly painted interiors. Step inside to an open-concept waterfront living area with gleaming hardwood floors and sweeping river and sunset views. Outside, enjoy 147 feet of water frontage with a 200 foot pier designed for serious boating and leisure. It accommodates two deep-keel sailboats, a powerboat lift (10,000 lbs capacity), and a Sea-Doo Speedster lift. Ample parking and storage abound with a 50 amp RV hookup, six parking spaces, an oversized three car detached garage, and a two car attached garage providing room for serious car collectors, and every interest and adventure. This home also comes with a 25K Generac Generator with a 1,000 gallon tank of propane. High speed internet is provided by All Points Broadband. Two additional buildable lots also included with this property. Spend your days boating, fishing, crabbing, or harvesting oysters, and your evenings stargazing while watching deer, eagles, and ospreys in the backyard. Experience the very best of the Northern Neck waterfront lifestyle where every day feels like a getaway and the conveniences of Kilmarnock and Irvington are just moments away. Owner is the listing agent.

404 Woodbrook Dr, Lancaster

$450,000
4 Beds 1 Baths 116109 MLS
Once-in-Lifetime opportunity to own a piece of Chesapeake Bay History! Built in 1897, Smith Point Lighthouse is just 2.5 miles off the shore of Reedville, VA at the mouth of the Potomac River and near the entrance to the Little Wicomico. Incredible views of the Bay and the absolute best place to watch all manner of watercraft floating by. A full restoration, renovation was completed from 2006-2009 that included adding a full kitchen with cherry cabinets, breakfast counter, range, refrigerator, microwave, and portable dishwasher. The main level also includes a cozy living & dining area and a full bath with shower stall, Lex San toilet and sink. Living spaces feature beadboard & brick walls, vinyl plank floors & original trim, stairs & doors. Upstairs are 3 bedrooms with the 4th bedroom located one more story up in the watch room. The lighthouse includes a portable generator to operate all electrical fixtures. A water heater, 250 gallon capacity plumbing system with a Lex San electrolysis/wastewater treatment system & a 550 gallon water tank are located in the basement. Marvin hurricane rated windows, insulation & a new roof were installed during the restoration. All furniture, 2 window AC units & 2 heaters convey as well as crab pots, tools, tackle, & household items. Sale is "as is where is" with Quit Claim Deed Conveyance. U.S. Coastguard maintains the lamp as an "active aid to navigation" and home is on the National Historic Registry & subject to restrictions. Repairs needed to rails, appliances, windows and watch room floors. Cash Sale Required, Serious Inquiries Only.

00 Smith Pt, Reedville

$659,900
4 Beds 4 Baths 120219 MLS
Private waterfront retreat on 5.9 acres with soaring water views, fabulous sunsets, and protected natural surroundings. Tucked away in a peaceful setting, this property offers a rare combination of privacy, acreage, and flexibility. The dramatic wall of glass in the family room brings in beautiful natural light and frames the waterfront beyond, while sunrise greets the open land out front and sunset reflects across the water behind the home. There are 4 bedrooms including a main-level primary suite, and a separate apartment ideal for guests, extended family, a home office, studio or rental. 9' ceilings and a cathedral ceiling in the family room add to the open feel, while the new gas radiant heater provides comfortable warmth without the dry feel of forced air. Outdoor living is easy with maintenance-free composite decking and vinyl railing across the back of the home. The 2-car garage with a 10' high door offers excellent space for boats, vehicles, storage, or hobbies. At the waterfront, there are no steps to access the pier, complete with 2 boat lifts, making it ideal for boating, fishing, and water sports, with quick access to the Potomac River. There is plenty of room for a future outbuilding, farmette or possible additional home. Adding to the sense of privacy, the property sits across from the Baliles Center at Hull Springs, protected in conservation, helping preserve the natural waterfront setting for years to come. Recently appraised at $725,000 and now offered at a compelling value.

367 Edgewater Ln, Montross

$750,000
3 Beds 3 Baths 119854 MLS
Wide open views just off the Chesapeake Bay at the mouth of Cockrell Creek - endless breezes set the scene at this special waterfront home. Located at Fleeton Point, just minutes from the quaint town of Reedville. Fabulous fishing & boating area! This property offers the perfect blend of historic charm and captivating water views. A deeded water access point across the street adds to the appeal. This Victorian-style home has wonderful architectural details and strong bones. Features include oversized windows, hardwood floors, high ceilings, and beautiful millwork—nearly every room enjoys a water view. Step into the large foyer with its graceful staircase. To the right, the living room offers a corner fireplace with gas logs and flows into the formal dining room with bow windows and access to the screened side porch. The spacious kitchen has a full bath attached and opens to the back covered porch and driveway. To the left of the foyer, the family room provides another gas-log fireplace and more water views. Upstairs, the waterfront primary suite has an attached bath and a sitting room with panoramic views. Two additional waterfront bedrooms, a full hall bath, and another sitting room with a private balcony complete this level. The walk-up attic provides extra storage or potential finished space, and the basement—accessible inside and out—offers plumbing and additional options. Nicely elevated and rich in history, this home is a true Northern Neck treasure waiting to be refreshed to its full glory. Not registered historic.

218 Fleeton Point Cir, Reedville

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