Tucked in the waterfront neighborhood of Heritage Point on Sturgeon Creek, this welcoming river cottage offers wide views of the creek, extending to the Rappahannock River. The large rear deck is perfect for relaxing, dining, & entertaining. The moment you step into the foyer, the gorgeous waterviews pull you toward the living area. A vaulted ceiling, wood-burning fireplace, & wood accent paneling add warmth & charm, while two sets of sliding doors open to the deck, extending your living space outside & creating a seamless flow. The open-concept design creates a spacious dining area filled with natural light & beautiful waterviews. The kitchen features white cabinetry, a large pantry, & ample counterspace for cooking & gathering. The dining area can accommodate a large table for hosting family & friends. Luxury vinyl plank flooring throughout the main level is ideal for sandy feet after a day on the river. 2 comfortably sized guest bedrooms & a full bath are located on the first floor. The private upstairs primary suite features vaulted ceilings, an ensuite bath, & a spacious balcony. Sliding doors open to sweeping creek views into the river & fill the room with abundant natural light. Imagine waking up to this view every morning, quiet, peaceful, the good life. A deck staircase leads to the water, where the sandy bottom is perfect for swimming & kayaking, and depending on the tide, a small beach area may appear along the shoreline. The outdoor shower is a favorite after time on the creek. The attached two-car garage offers storage & potential for future conversion if more living or recreation space is desired. With its HardiPlank siding, the cottage is designed to be low-maintenance. Memories are waiting to be made: summer days kayaking, fishing & crabbing, roasting oysters in the fall, or cozy winter weekends by the fireplace. Whether for everyday living or a seasonal escape, this property offers a classic Rivah experience.
For sale
$775,000
104 Heritage Point Rd, Deltaville, VA 23043
3beds
1,650sqft
Est.:
Single Family Residence
Built in 1989
0.75 Acres Lot
$-- Zestimate®
$470/sqft
$13/mo HOA
What's special
Wood-burning fireplaceVaulted ceiling
- 27 days |
- 1,977 |
- 107 |
Zillow last checked: 8 hours ago
Listing updated: December 12, 2025 at 05:44am
Listed by:
McKann F Payne 804-815-4192,
Isabell K. Horsley Real Estate
Source: Chesapeake Bay & Rivers AOR,MLS#: 202500385Originating MLS: Chesapeake Bay Area MLS
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Primary bedroom
- Description: w/Ensuite & balcony
- Level: Second
- Dimensions: 0 x 0
Bedroom 2
- Description: Guest Room
- Level: First
- Dimensions: 0 x 0
Bedroom 3
- Description: Guest Room
- Level: First
- Dimensions: 0 x 0
Dining room
- Description: Sliders open to the deck
- Level: First
- Dimensions: 0 x 0
Great room
- Description: Cathedral Ceiling
- Level: First
- Dimensions: 0 x 0
Kitchen
- Level: First
- Dimensions: 0 x 0
Laundry
- Description: Easy access to the garage
- Level: First
- Dimensions: 0 x 0
Heating
- Electric, Heat Pump
Cooling
- Central Air, Heat Pump
Appliances
- Included: Dryer, Dishwasher, Electric Cooking, Electric Water Heater, Microwave, Oven, Refrigerator, Stove, Water Softener, Washer
Features
- Bedroom on Main Level, Cathedral Ceiling(s), Dining Area, Fireplace, Laminate Counters, Bath in Primary Bedroom, Pantry, Recessed Lighting
- Flooring: Partially Carpeted, Vinyl
- Doors: Sliding Doors
- Basement: Crawl Space
- Attic: Access Only,Walk-In
- Number of fireplaces: 1
- Fireplace features: Wood Burning
Interior area
- Total interior livable area: 1,650 sqft
- Finished area above ground: 1,650
- Finished area below ground: 0
Property
Parking
- Total spaces: 2
- Parking features: Attached, Driveway, Finished Garage, Garage, Garage Door Opener, Two Spaces, Unpaved
- Attached garage spaces: 2
- Has uncovered spaces: Yes
Features
- Patio & porch: Balcony, Rear Porch, Deck, Porch
- Exterior features: Porch, Unpaved Driveway
- Pool features: None
- Fencing: None
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- Waterfront features: Creek, Dock Access, Mooring, Navigable Water, Waterfront
- Body of water: Sturgeon Creek
- Frontage length: 134.0000,134.0000
Lot
- Size: 0.75 Acres
- Features: Sloped, Waterfront
- Topography: Sloping
Details
- Parcel number: 4010431
- Zoning description: R
Construction
Type & style
- Home type: SingleFamily
- Architectural style: A-Frame,Cape Cod
- Property subtype: Single Family Residence
Materials
- Block, Drywall, HardiPlank Type
- Roof: Composition
Condition
- Resale
- New construction: No
- Year built: 1989
Utilities & green energy
- Sewer: Septic Tank
- Water: Well
Community & HOA
Community
- Features: Boat Facilities
- Subdivision: Heritage Point
HOA
- Has HOA: Yes
- Services included: Road Maintenance, Water Access
- HOA fee: $150 annually
Location
- Region: Deltaville
Financial & listing details
- Price per square foot: $470/sqft
- Tax assessed value: $459,200
- Annual tax amount: $2,801
- Date on market: 12/10/2025
- Ownership: Individuals
- Ownership type: Sole Proprietor
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 12/11/2025 | Listed for sale | $775,000$470/sqft |
Source: Northern Neck AOR #119761 Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $2,801 | $459,200 |
| 2023 | $2,801 | $459,200 |
| 2022 | $2,801 -2.6% | $459,200 -1% |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$4,321/mo
Principal & interest
$3675
Property taxes
$362
Other costs
$284
Climate risks
Neighborhood: 23043
Nearby schools
GreatSchools rating
- 5/10Middlesex Elementary SchoolGrades: PK-5Distance: 9.1 mi
- 7/10St. Clare Walker Middle SchoolGrades: 6-8Distance: 8.9 mi
- 9/10Middlesex High SchoolGrades: 9-12Distance: 14.7 mi
Schools provided by the listing agent
- Elementary: Middlesex
- Middle: Saint Clare Walker
- High: Middlesex
Source: Chesapeake Bay & Rivers AOR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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