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.

$2,495,000
3 Beds 4 Baths 119923 MLS
‘COASTAL BREEZE' on the Rappahannock spans 4.63 level acres of beautifully landscaped waterfront, offering wide, unobstructed vistas of the Rappahannock River & into the Chesapeake Bay. Mesmerizing views greet you immediately upon entry, drawing your eye toward the pool & waterfront beyond. Designed for gracious one-level living, this custom residence showcases fine finishes & a seamless blend of indoor and outdoor spaces. Architectural-style windows frame the water from nearly every room. Australian Cypress flooring and custom tile add warmth and character throughout. The chef's kitchen is anchored by a grand island—ideal for gathering or dining—and features glass-front cabinetry flowing openly into the dining area, warmed by a wood stove. A sun porch with wet bar extends the living space and opens directly to the saltwater pool, spa, & expansive stamped concrete patio. A serene primary suite offers a spa-inspired bath & private access to the patio, while additional spaces—including a family/media room—enhance both daily living and entertaining. Two attached 2-car garages provide generous storage & flexibility. Above one is a spacious studio bunk suite with its own deck and private entry—perfect for guests or multi-generational living. The unfinished space above the second garage is well-suited for an art studio, office, or fitness room. This coveted vantage point captures one of the Bay's most timeless panoramas and includes 9.74 acres of DEEDED KING'S GRANT OYSTER GROUND just off the shore and in NO FLOOD ZONE—a place where luxury, privacy, & natural beauty converge.

3308 Windmill Point Rd, White Stone

$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

$3,400,000
4 Beds 7 Baths 120314 MLS
Set along Indian Creek just off the Chesapeake Bay, 2515 Fleets Bay Road is an exceptional waterfront retreat in one of the Northern Neck's most desirable coastal settings. Offered for the first time, this custom-built estate showcases remarkable craftsmanship, refined coastal design, and a seamless connection to its 16.5-acre waterfront setting. A private drive framed by stately brick columns leads to the residence, where solid oak floors, custom millwork, designer lighting, and panoramic water views create an atmosphere of timeless elegance. Designed for effortless living and grand entertaining, the chef's kitchen features an expansive island, stone countertops, Wolf range, dual dishwashers and ovens, and a custom wet bar, opening to elegant gathering spaces and a skylit sunroom with direct deck access. The main-level primary suite enjoys its own private wing, while three additional ensuite bedrooms and multiple flex spaces provide room for guests, offices, or nurseries. A vaulted theater and game room offers an HD projector, surround sound, beverage center, and sweeping water views. Ideal for multi-generational living, a private guest suite with full kitchen sits above the attached four-bay garage, and an elevator serves all levels. Outside, enjoy a rare white sand beach, dock with deep-water 6–8 ft boat lift, sailboat-depth access to the Bay, outdoor shower, and dedicated watersports storage. A detached barn adds a drive-through boat bay, workshop space, climate-controlled flex space, full bath, and kitchenette. A true Chesapeake Bay landmark. Check out our video!

2515 Fleets Bay Rd, White Stone

$1,275,000
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

$975,000
5 Beds 6 Baths 119173 MLS
Spectacular wide & long views of the Corrotoman River await you at this custom-designed waterfront retreat with DEEP sailboat-depth water & a private pier. Located in Heritage Point, with access to a community Pool, Beach, & More, this expansive home was thoughtfully crafted for relaxed coastal living & elegant entertaining. The dramatic two-story Living Room showcases soaring ceilings, a grand fireplace, & stunning water views through walls of glass. The formal Dining Room is perfectly situated between the Living Room & Kitchen & includes a hidden wet bar,ideal for hosting. The spacious Kitchen offers generous storage, an informal dining area, & an adjacent Laundry Room for added convenience. A cozy waterside Family Room provides a perfect place to relax & enjoy river views. The main level includes two guest bedrooms, a full bath, & a walk-in closet. A private elevator services all levels of the home,from the basement to the attic,ensuring effortless accessibility. Upstairs, the spacious Primary Suite is a true retreat, featuring two full bathrooms, a fireplace-accented sitting room with built-ins, a large dressing room, & panoramic water views. A second ensuite guest bedroom with a large walk-in closet completes the upper level. The third floor offers a generous flex space, ideal for a home office, studio, or bunkroom. The walk-out basement features both interior & exterior access and includes a game room, an ensuite bedroom, additional office/flex space, & an enormous mechanical/storage room. Nearly every room opens to a waterside deck, maximizing outdoor living & Views!

144 Hills Ln, Lancaster

$989,000
3 Beds 3 Baths 120300 MLS
WATERFRONT -WIDE OPEN VIEWS - NO FLOOD ZONE - COVERED BOAT SLIP - JET SKI LIFT - FURNISHED CABIN- ONE-LEVEL BRICK RESIDENCE - SCREENED PORCH - PICKLEBALL COURT Nestled along the protected waters of the Yeocomico River in a pristine estate neighborhood on a rare 3.6-acre waterfront estate, this single-level brick residence offers an exceptional boating lifestyle in the Northern Neck. Quick access to the Potomac River and Chesapeake Bay by boat. Providing approximately 350 feet of rip rap protected shoreline, with a 5-foot MLW depth, the property features a covered boat slip, 8,000-pound boat lift, jet ski lift, and a spacious party deck overlooking the water—perfect for effortless days on the river and memorable evenings with family and friends. Enjoy endless opportunities for boating, kayaking, crabbing, fishing and harvesting oysters right from your private dock, all while soaking in wide-open water views. Inside, the home flows with graceful open concept spaces designed for both grand entertaining and quiet luxury. Two expansive living areas invite you to gather with family and friends around the warm glow of the wood-burning fireplace or relax by the efficient pellet stove on cooler evenings. Large custom designed kitchen with 2 ovens, ice maker and granite counter tops. There are 3 generously sized bedrooms and 3 fully renovated bathrooms offer privacy and comfort for the family, guests, or weekend visitors. This thoughtfully designed home, maximizing indoor-outdoor living with a large screened porch, covered screened gazebo complete with luxurious hot tub.

1245 Yeocomico View Dr, Lottsburg

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