This property combines an unbeatable Chesapeake Bay location with all the amenities you need for relaxed waterfront living. Situated in a small community of only 8 homes, you’ll enjoy sweeping Bay views, a protected marina with your own slip, & outstanding shared amenities including a completely renovated pool plus tennis & pickleball courts. Just minutes from the shops & restaurants of Kilmarnock, White Stone, & Irvington, with convenient access to Williamsburg & Richmond in just over an hour. From boating & fishing to golf at nearby Indian Creek Yacht & Country Club (on the same creek), this is a lifestyle property. Designed for comfort & views. Outdoor living shines here with a waterside screened porch & spacious deck to take in the breezes. The Living Room features vaulted ceilings, a wood-burning fireplace, & built-in bookshelves, with an open Dining Area that flows to the waterside deck. The Kitchen opens to the Family Room, which offers a cozy wood-burning stove, built-ins, & access to the deck. The 1st-floor Primary Suite opens directly to the waterfront deck & has a private bath. A mudroom with a 1/2 BA & an additional 1/2 BA provides convenience on the main level. Upstairs, you’ll find 3 guest bedrooms & a full bathroom, perfect for family & friends. A detached garage with finished game room above (heated & cooled with window units, plus sink) adds even more flexible space(674 SF). Whether you’re looking for a full-time residence or a second home getaway, this property offers it all—views, boating, community amenities, & a perfect Northern Neck Location!
Pending
Price cut: $300K (11/22)
$980,000
448 McSwain Rd, White Stone, VA 22578
4beds
3,187sqft
Est.:
Single Family Residence
Built in 1986
1.7 Acres Lot
$-- Zestimate®
$307/sqft
$400/mo HOA
What's special
Chesapeake bay locationWood-burning fireplaceSweeping bay viewsOpen dining areaWaterfront deckCompletely renovated poolWaterside screened porch
- 70 days |
- 66 |
- 1 |
Zillow last checked: 8 hours ago
Listing updated: December 03, 2025 at 09:54am
Listed by:
David Dew 804-436-3106,
Isabell K. Horsley R. E., Ltd.,
Kathleen Dew 804-436-6256,
Isabell K. Horsley R. E., Ltd.
Source: CVRMLS,MLS#: 2527858
Originating MLS: Central Virginia Regional MLS
Originating MLS: Central Virginia Regional MLSFacts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 2
- 1/2 bathrooms: 2
Primary bedroom
- Description: Waterfront, Bathroom, Built-ins
- Level: First
- Dimensions: 0 x 0
Bedroom 2
- Description: ceiling fan, carpet, deep closet
- Level: Second
- Dimensions: 0 x 0
Bedroom 3
- Description: ceiling fan, carpet, deep closet
- Level: Second
- Dimensions: 0 x 0
Bedroom 4
- Description: ceiling fan, carpet, Big Room!
- Level: Second
- Dimensions: 0 x 0
Additional room
- Description: Side entrance & screen porch access
- Level: First
- Dimensions: 0 x 0
Additional room
- Description: Mudroom, X-tra Fridge, Half Bath
- Level: First
- Dimensions: 0 x 0
Additional room
- Description: Overtop Garage, X-Fridge, Heat/Cooled Window, Sink
- Level: Second
- Dimensions: 0 x 0
Dining room
- Description: Area open to Living Room
- Level: First
- Dimensions: 0 x 0
Family room
- Description: Open to Kitchen, Waterfront, Built-ins, Woodstove
- Level: First
- Dimensions: 0 x 0
Foyer
- Description: Open to Living Room
- Level: First
- Dimensions: 0 x 0
Other
- Description: Tub & Shower
- Level: First
Other
- Description: Tub & Shower
- Level: Second
Half bath
- Level: First
Kitchen
- Description: Open to Family Room, Pantry
- Level: First
- Dimensions: 0 x 0
Living room
- Description: Wood Burning Fireplace, Waterfront, Dining
- Level: First
- Dimensions: 0 x 0
Heating
- Electric, Heat Pump, Zoned
Cooling
- Heat Pump, Zoned
Appliances
- Included: Built-In Oven, Dryer, Dishwasher, Electric Cooking, Electric Water Heater, Range, Refrigerator, Washer
- Laundry: Dryer Hookup
Features
- Ceiling Fan(s), Dining Area, Eat-in Kitchen, Fireplace, Kitchen Island, Laminate Counters, Main Level Primary, Pantry, Skylights
- Flooring: Carpet, Vinyl, Wood
- Windows: Screens, Skylight(s)
- Basement: Crawl Space
- Attic: Pull Down Stairs
- Number of fireplaces: 3
- Fireplace features: Wood Burning
Interior area
- Total interior livable area: 3,187 sqft
- Finished area above ground: 3,187
- Finished area below ground: 0
Property
Parking
- Total spaces: 2
- Parking features: Detached, Garage, Other, Storage
- Garage spaces: 2
Features
- Levels: Two
- Stories: 2
- Patio & porch: Screened, Deck, Porch
- Exterior features: Boat Lift, Deck, Dock, Porch, Tennis Court(s)
- Pool features: Gunite, Pool, Community
- Fencing: None
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- Waterfront features: Bayfront, Creek, Dock Access, Mooring, Boat Ramp/Lift Access, Waterfront
- Body of water: Indian Creek
Lot
- Size: 1.7 Acres
- Features: Cleared, Landscaped, Waterfront, Level
- Topography: Level
Details
- Parcel number: Tax Map # 2955E, LR 15/1229 WF 18/111
- Other equipment: Generator
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subtype: Single Family Residence
Materials
- Drywall, Frame, Vinyl Siding
- Roof: Composition
Condition
- Resale
- New construction: No
- Year built: 1986
Utilities & green energy
- Sewer: Septic Tank
- Water: Community/Coop, Shared Well
Community & HOA
Community
- Features: Common Grounds/Area, Dock, Marina, Pool, Tennis Court(s)
- Subdivision: Blue Water Point
HOA
- Has HOA: Yes
- Services included: Common Areas, Pool(s), Road Maintenance, Water
- HOA fee: $1,200 quarterly
Location
- Region: White Stone
Financial & listing details
- Price per square foot: $307/sqft
- Tax assessed value: $617,759
- Annual tax amount: $3,693
- Date on market: 11/23/2025
- 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 |
|---|---|---|
| 12/1/2025 | Pending sale | $980,000$307/sqft |
Source: Northern Neck AOR #119474 Report a problem | ||
| 11/22/2025 | Price change | $980,000-23.4%$307/sqft |
Source: Chesapeake Bay & Rivers AOR #2524811 Report a problem | ||
| 10/2/2025 | Listed for sale | $1,280,000$402/sqft |
Source: Northern Neck AOR #119474 Report a problem | ||
Public tax history
BuyAbility℠ payment
Est. payment
$5,758/mo
Principal & interest
$4615
Property taxes
$400
Other costs
$743
Climate risks
Neighborhood: 22578
Nearby schools
GreatSchools rating
- 4/10Lancaster Middle SchoolGrades: 5-7Distance: 3.3 mi
- 6/10Lancaster High SchoolGrades: 8-12Distance: 8.9 mi
- NALancaster Primary SchoolGrades: K-4Distance: 6.5 mi
Schools provided by the listing agent
- Elementary: Lancaster
- Middle: Lancaster
- High: Lancaster
Source: CVRMLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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