Real Estate Pointer: September 2025

Serving Virginia’s Northern Neck and Middle Peninsula n September 2025

Real Estate P riceless

Pointer

C E L E B R A T I N G 5 0 Y E A R S O F G U I D I N G Y OU H O M E !

Honoring IsaBell K. Horsley, whose vision and devotion laid the foundation for 50 years of trusted service.

A Family Tradition • Three Generations Strong • Trusted Real Estate Advisors Since 1975

IN THIS ISSUE:

MULTIPLE LISTINGS n AREA MAP n MORE! www.RealEstatePointer.com n Online, 24 hours a Day n Live Web & Email Links September 2025 1

PUT THE PUT THE PEARL PEARLS AT AT THE THE HELM HELM OF OF YOUR YOUR NEXT NEXT MOVE MOVE

YOUR TRUSTED EXPERTS FOR NAVIGATING LOCAL WATERS — AND LOCAL REAL ESTATE. From deep-water anchorages to wide-open Bay vistas, we know the Northern Neck and Middle Peninsula from both the water and the land.

Meet the Meet the Pearls Pearls

Whether you’re ready to sail into your next sunset in a new home or seeking the right buyer for your special waterfront property, the Pearls of the Chesapeake will navigate every step with expertise, dedication, and local insight.

Amazing Views with Huge Sandy Beach

Ann Meekins Call or Text: (804) 815-0436

Breathtaking Sunset Views

Neena Rodgers Call or Text: (804) 436-2326

$2,800,000

3308 Windmill Point Rd. White Stone, VA

2

Sandi Lent

$1,250,000

Call or Text: (804) 694-6101

555 Rio Vista Dr. Weems, VA

Over 75a t eYears Years Combined Experience.

Experience.

T h e R eOver a l E s t75 Po i n t Combined er

www.PearlsoftheChesapeake.com

16273 General Puller Hwy Deltaville, VA

4507 Irvington Rd, STE 300/500 Irvington, VA

#1 WITH LONG & FOSTER FOR THE NORTHERN NECK & MIDDLE PENINSULA

www.ShultzRealtors.com

Lisa, Neill and Beverly Shultz & Dawn Parrish 804-724-1587 Lisa@ShultzRealtors.com

VIRTUALLY TOUR ALL OF OUR LISTINGS!

www.CockrellCreek.com

• The Hobbyist’s Haven • Custom Built w/ Crafted Woodwork • 3 Bedroom En Suites + Office • Huge Eat-in Kitchen w/ Granite Counters Double Wall Oven & Water Views

• Waterside Sunroom • Attached Workshop w/ HVAC & Ventilation • Large Garden Shed w/ Electricity • Attached 2 Car Garage w/ Epoxy Floor • Deep Water Pier

• Wooded, Private Lot • Located in The Heart of Reedville • Golf Cart-Friendly Town • Broadband Internet Available, No HOA • $974,900

www.IrvingtonLifestyle.com

INCREDIBLE PRICE REDUCTION

• Built in 2024 • Remington Model From Stateson Homes • Kitchen w/ Large Island, Quartz Counters, Stainless Steel Appliances

• 5 Bedrooms, 3.5 Bathrooms & Office • Finished Walk-out Basement • Wooded Backyard w/ Water Garden & Firepit • 2 Car Garage

• Close to Amenities • Low-Maintenance Community Offers: Pool, Tennis, Lawn Maintenance & More!

• $549,900

THINKING OF SELLING? NOW IS THE TIME! CALL US TO MARKET YOUR PROPERTY! WE OFFER: Aerial Photography • Video • Virtual Floor Plans • 3D Photography All on Personal Mobile-Friendly Websites

434 Rappahannock Dr. (P. O. Box 1090), White Stone, VA

2024 RUBY & DIAMOND AWARD WINNERS

ROBBIE BOOTH 804-339-1504 r_booth@hotmail.com 324 FLEET ROAD, HEATHSVILLE

MELISSA L. BRADLEY 804-761-2024 shoregal82@gmail.com 134 WALKER ROAD, WHITE STONE

UNDER CONTRACT

437 PLAINVIEW ROAD, KINSALE

New Listing

A Nantucket Style Cape Cod Waterfront Home on the Potomac River! Enjoy Breathtaking Views, Sunrises & Sunsets right from this property! * 4 Bedrooms 3.5 Bathrooms * Designer Gourmet Kitchen * Huge Great Room * No Flood Zone * Main Level Owner’s Suite * Screened Porch & Deck on Waterside $995,000

Wonderful Waterfront Retreat with pier on private 2.54 Acres. * 3 Bedrooms, 2 Full & 2 Half Baths *Pier *Attached Garage *Detached Garage with finished space above *Waterside Deck with Awning *Private Location! $875,000

Custom Built waterfront home on the Yeocomico River *6 Bedrooms, 4 Bathrooms * 4,200 Square Feet *Pier with Boat House *Successful weekly rental history *Deep Water *1.9 Acres $820,000

781 COAN HAVEN ROAD, LOTTSBURG

275 SCENIC DRIVE, MONTROSS

85 CIRCLE DRIVE, HEATHSVILLE

SOLD Spacious waterfront property that offers peaceful living with room to entertain. *4 Bedrooms, 3.5 Bathrooms *Deep Water Pier *Guest House *Main Level Primary Bedroom *Sunroom *Oversized Attached Garage $748,000

Welcome to your waterfront retreat nestled along the scenic shores of Nomini Creek. *3 Bedrooms, 2.5 Bathrooms *Inground Salt Water Pool *Wrap Around Porches *Main Level Owner’s Suite *Pool House & Detached Garage *2.96 Acres $700,000

Incredible views & sunsets from this well maintained waterfront home *3Bedrooms, 2 Bathrooms *Pier with boat lift *Hardwood Floors *Sunroom *2 large Sheds *Community Amenities $549,000

324 POTOMAC DRIVE HEATHSVILLE

327 WHITE SAND DRIVE, HEATHSVILLE

8739 RIVER ROAD, LANCASTER

Well-built brick home located a short walk to an incredible Beach! *3 Bedrooms, 2 Bathrooms *Fireplace *Screened Porch *Community Amenities $275,000

Brick Home with recent renovations on 3.44 Acres ! * 3.44 Acres *4 Bedrooms, 2 Bathrooms * 3 Lots *Updated Kitchen *Detached Garage & Outbuildings $265,000

New Listing

UNDER CONTRACT Water View Home with fantastic floorplan! *4 Bedrooms, 2.5 Bathrooms *Attached Garage *Generator *Potomac River Views! $479,000

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Office: 804-529-7020 Fax: 804-529-5831 168 Northumberland Hwy. Callao, Northern Neck of Virginia Commonwealth of Virginia TLicensed h e R e a l E in s t athe t e Po inter

VISIT OUR WEBSITE FOR DETAILS www.ShoreRealtyInc.com

Don’t Miss Fall in the Northern Neck CUSTOM HOME IN LANCASTER ON THE CORROTOMAN RIVER. 3 BR/2.5 BA. 10± ACRES. DEEP WATER DOCK WITH BOAT LIFT! $1,450,000

WATERFRONT HOME ON THE CORROTOMAN. 3 BR/3 BA. 2± ACRES. SAILBOAT DEPTH WATER. COMMUNITY PLAYGROUND/POOL. $795,000

GREAT WICOMICO RIVER. HEATHSVILLE. 3 BR/2 BA. 4± ACRES. LARGE DETACHED GARAGE. DOCK ON THE GREAT WICOMICO. $599,000

CUSTOM WATERFRONT HOME WITH SAND BEACH ON THE POTOMAC RIVER! KINSALE. 3 BR/3.5 BA. $1,249,000

SOLD!

CUSTOM WATERFRONT HOME. TIPERS CREEK, GREAT WICOMICO RIVER. HEATHSVILLE. 4 BR/3BA. DOCK. SAILBOAT DEPTH WATER. $1,100,000

DIVIDING CREEK RIVER COTTAGE WITH 3 BR/2 BA, POOL. $649,500

COMMERCIAL OR RESIDENTIAL

THIS PROPERTY OFFERS INCREDIBLE OPTIONS - TWO LEVELS FOR BUSINESS AND/OR LIVING! 3,000± SF. BURGESS. $359,000

COMMERCIAL

INCREDIBLE POTOMAC RIVER VIEWS! LOCATED IN THE QUAINT VILLAGE OF LEWISETTA. 3 BR/2BA. $729,000

CALL ME WHEN YOU’RE READY TO BUY OR SELL.

Sandra Hargett, MANAGING BROKER

804-436-3454

SandraHargett@LizMoore.com 276 N. Main Street Kilmarnock, Virginia 22482 PRIME LOCATION IN THE KILMARNOCK BUSINESS DISTRICT. 4,400± SF. LOTS OF POSSIBILITIES! $599,000

September 2025 5

Stunning waterfront home with 4+ acres and deep water located on MIll Creek, a well known anchorage just minutes to the bay. Plenty of room for guests with a guest house and a large storage building for boats and toys. This property is truly one of a kind.

1,595,000.

RICHIE BURGESS 804-436-3695 | Richie@BraggCo.com

JUST LISTED 98 Norman’s Corner, Farnham, VA Now Active, 3 Bedrooms, 2.5 Baths, 0.94 Acres, $420,000

All information provided by third party sources. Information deemed reliable but not guaranteed

JUST LISTED Nomini Bay Dr. Montross, VA 22520 3 BR, 3 Bath, 1780 sqft, 2 acres

Jimmy and Kathy Dove (804) 450-6835 or (804) 761-3129 www.doveteamsells.com 78 S. MAIN STREET, KILMARNOCK, VA | 804-761-1875

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T h e R e a l E s t a t e Po i n t e r

UNDER CONTRACT 309 12th St, Colonial Beach, VA 22443 3 BR/ 2.5 Bath; Partially fenced back yard; 1504 sqft; $380,000

BRAGG & COMPANY

BEYOND BROKERAGE: Full-Service Real Estate, Construction, and Property Management Expertise Under One Roof .

Discover an extraordinary 2.7-acre waterfront lot with breathtaking views of the Piankatank River flowing into the Chesapeake Bay. This rare property features a charming 2-bedroom, 2-bath beach bungalow with a spacious deck, seamlessly connected to a well-appointed boathouse, perfect for storing all your boating essentials. Enjoy a private beach and an exceptional pier extending into over 20 feet of water depth, a rarity in the area, protected by substantial breakwaters to ensure shoreline stability. Ideal for building your dream home, this lot offers everything you need to start living the waterfront lifestyle today. $1,500,000. 975wiltoncreek.com As a seasoned real estate professional with Bragg & Company Real Estate, I bring decades of expertise rooted in a family legacy that began in the 1970s, combining deep market knowledge with a unique blend of in-house construction, land development, and property management services. My comprehensive understanding of the Chesapeake Bay region, paired with a proven track record of closing high-value waterfront properties, ensures clients receive unmatched guidance and results.

With a commitment to personalized, high-touch service and a collaborative team approach, I leverage cutting-edge marketing and an extensive buyer network to make your real estate dreams a reality. Trust me to navigate every detail of your waterfront purchase or sale with precision, from vision to victory.

BO BRAGG, Owner/Broker 804.436.7337 • Bo@BraggCo.com

W W W. B R A G G C O . C O M • B R A G G @ B R A G G C O . C O M • ( 8 0 4 ) 4 3 8 - 810 0 4341 Irvington Road, P.O. Box 4, Irvington, Virginia 22480

September 2025 7

EXIT MID-RIVERS REALTY

1743 BUSHFIELD ROAD MONTROSS: 2.4-acre waterfront retreat with 146’ on Buckner Creek and Potomac River access. 3-bed, 2.5-bath brick home with fireplaces, a sunroom, a screened porch, a bonus attic, and a 2-car garage. Pier with boat lift, gardens, and sunsets add to the charm. $993K.

367 EDGEWATER LANE MONTROSS: Waterfront paradise on 5.9 acres along Glebe Creek with quick Potomac River access. This 3-bed, 2.5-bath home features a first-floor primary suite, cozy living spaces, a new radiant heat system, and a spacious deck overlooking the water. Private pier with two lifts, outdoor shower, and gentle slope to the shoreline. The attached garage includes a finished apartment with a balcony. $725K

31 BUNKER HILL RD FARNHAM: Charming brick rancher on a spacious corner lot with hardwood floors, bright living room, kitchen/dining area, and cozy den with fireplace. Primary suite plus two bedrooms, mudroom with custom cabinetry, and outdoor living spaces including a covered porch, brick patio, and gazebo. Large barn with carport, 3-car garage, water/electric, RV hookup, and separate driveway. Includes an additional buildable parcel. $305K

133 JENKINS POINT ROAD MONTROSS: Modern 3,365 sq ft waterfront retreat on 4.88 acres with 221’ of frontage, private pier, boat, and jet ski lifts. Bright open design with cathedral ceilings, bamboo/tile floors, 3 fireplaces, and water views from every room. First-floor primary suite with deck access, plus a loft, 2 bedrooms, and a bonus room upstairs. Includes 1,088 sq ft outbuilding with 832 sq ft apartment. Three parcels offer privacy and flexibility. $845K

LOT 24 BAY POINTE DRIVE MONTROSS: Brand-new ranch in Stratford Harbour with open floor plan, quartz kitchen, and stainless-steel appliances. The primary suite includes a walk-in closet, soaking tub, and double vanity; two more bedrooms and a full bath offer privacy. Features LVP flooring, a tankless water heater, a 2-car garage, a covered porch, and a back deck. Community amenities include a pool, courts, a clubhouse, boat ramps, and access to Shark Tooth Beach on the Potomac. $369K

309 MONROE POINT DRIVE, COLONIAL BEACH: Spacious 4-bed, 3.5 bath townhome in Monroe Point with over 2,400 sq ft on three levels. Features include an open-concept main floor with hardwoods, a bright kitchen with an island, and a primary suite with a vaulted ceiling, walk-in closet, and soaking tub. Entry-level offers a bedroom/office, full bath, and garage.

Enjoy community trails, water views, and golf cart access to beaches, marinas, shops, and dining in Colonial Beach. $349K

Your Local Real Estate Professionals

ROSA JOHNSON Principal Broker 804-761-9392 info@ exitmidrivers.com

JIMMY COATES Supervising Broker 804-450-0787 jimmy@ calljimmycoates.com

BEN HUDSON Associate Broker 804-761-0924 benhudson@ nnhinc.net

SERELLA A.BYNOE Realtor 202-520-1357 Serella.Sells.Houses@ gmail.com

Check out our website for more listings at www.exitmidrivers.com or Text “EXIT” to 85377 Text listwithexit to 85377

TINA MARSHALL RICHARD STUART, JR. Realtor Realtor 804-456-6969 540-207-6803 97rhsstuart@ soldbytinamarshall@ gmail.com gmail.com 990 Colonial Ave, Colonial Beach 804-224-3948

TAWANA SELLMAN Realtor 202-262-8992 tsellman419@ gmail.com

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TABITHA FAIN Realtor 540-419-6371 tabitha.fain86@ gmail.com

ASHLEY ZIVIELLO Realtor 703-587-8395 ashley@northernneckriverhomes.com

T h e R e a l E s t a t e Po i n t e r

REAMY CHALKLEY Realtor 804-761-8818 rdchalkley@ gmail.com

KARA SPEARS Realtor 240-682-5435 kfam400@ verizon.net

ASHLEY CAMPBELL Realtor 804-410-7206 ashleynicoleyourrealtor@ gmail.com

BOBBI WALSH Realtor 540-656-675 Bobbiwalsh168@ gmail.com

15034 Kings Hwy, Montross 804-493-1888

BETSY SISSON Historyland Realty, LLC

Member of 3 Multiple Listing Services: NNAR, CBRAR, and BRIGHT

office 804 493-5000 • cell 804 450-1773 betsysisson@yahoo.com • www.historylandrealty.com HISTORYL AND REALT Y

15977 Kings Highway PO Box 669 Montross, VA 22520

BETSY G SISSON, Broker

Debbie Casey • Sherry Derby • Charles Faulkner • Angie Ptucha • George Sisson • Laura Sisson • Bonny Townsend

Westmoreland Waterfront-27 Orange Drive, Coles Point -$829,000

Northumberland Waterfront-57 Swann Court-$599,000

FOUR BEDROOMS AND FIVE BATHROOMS. Comes fully furnished, used for a vacation rental. Water depth to be determined by buyer. Workshop/craft area connected to the house with a separate entrance. Beautiful private sand beach and pier with boat lift. Beautiful waterfront home!

Call Bonny Townsend 804 761-7572

Nestled in the desirable Shearwood Forest neighborhood, this charming 3 Bedroom, one and a half bathroom home offers well-appointed neighborhood setting with community amenities including a pool, boat launch, and more. The open floorplan welcomes you into a spacious great room featuring a cozy wood stove, exposed beams, and plenty of natural light. A versatile game room offers potential for additional sleeping quarters. Enjoy meals in the waterside dining area or unwind in the screened porch. Two open decks provide the perfect setting for entertaining or relaxing. Other features include a circular drive, oversized garage, basement storage, a private pier with boat lift, and mature shade trees. Whether you’re seeking a weekend getaway or full-time waterfront living, this home is a must-see! Call Charles Faulkner 804 761-6939

Northumberland-199 Edge Hill Lane, Heathville - $347,000

Westmoreland County-827 Travelers Rest Road, Hague - $319,000

Westmoreland County-890 Gordon Way, Montross - $299,000

3-Bed, 2-Bath Home on 2.16 Acres with Workshop!Spacious 1,888 Sqft home featuring 3 bedrooms and 2 full bathrooms, set on a serene 2.16-acre lot. Enjoy open living spaces, a 2-car garage, and a dedicated workshop—perfect for hobbies or storage. Ideal for those seeking space, comfort, and a touch of country living!

Call Laura Sisson 804 450-2521

This 3 bedroom, 2 bath home has been freshly painted inside.

It offers an eat in kitchen area and a split master bedroom plan.

Roof is less than a year old. This golf cart community has three community docks, a boat ramp and a waterside picnic area with a covered pavilion. No HOA. Enjoy the wide water view of Gardner’s Creek from your living room window or the spacious front deck. Call Debbie Casey 703 927-1613

Horner’s Beach Area-Recently renovated three bedroom, two bath, home within walking distance of Potomac River. New kitchen cabinets and counters, new flooring throughout, updated bathrooms enhance this home with an open floor plan and two large decks for enjoying the outside. Roof replaced in 2014. A convenient carport breezeway connects the house to the spacious workshop.

Large backyard with storage shed. Call Betsy Sisson 804 450-1773

Coles Point Cottage-57 Hazel Drive $229,000

Coles Point-Hazel Drive $59,500

Westmoreland-Coles Point-Ragged Point $45,000

Three Bedrooms and two bathroom cottage. Newly renovated interior with new roof on back. Four adjacent building lots also available. Call Bonny Townsend 804 761-7572

Total of 4 lots, each lot 100 ft by 40 ft, Numbers: 25, 41,24, and 23.May be separated. Adjacent lot 26 with house also available in separate listing. Call Bonny Townsend 804 761-7672

Four adjacent buildable water view lots located in the Ragged Point Beach Subdivision in Hague.The four lots are being sold together for $45,000. Minutes to restaurants,library, winery and Coles Point Marina.

Sewer hook up and Breezeline Internet are available in this area. No HOA. Call Debbie Casey 703 927-1613

September 2025 9

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THINKING OF SELLING YOURFredricksburg HOME? RIVERS & BAY

301

Colonial Beach

King George

Colonial Beach Museum

Lands End Wildlife Refuge

Welcome to the Northern Neck / Middle Peninsula Spotsylvania Waterfront of Virginia’s Chesapeake Bay

S P OT S YLVAN IA CO UN T Y

Dahlgren

KING GEORGE CO U N T Y

Did You3Know Keller Wiliams Agents 218 Sold 1 in Every 4 Homes in Virginia 3 Last Year? Call Me for Free Market Fredericksburg and Spotsylvania Analysis of Your Home!

National Military Park 17

Jackson Whether you are looking for a weekend real estate vacation retreat property Shrine / full-time home, building lot or land 208 for sale, Northern Neck Real Estate in VA offers a slower paced, coastal living waterfront lifestyle.

Potomac Gateway Visitor Center

Caledon State Natural Area

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George Washington Birthplace Westmoreland State Park

Oak Grove

Stratford Hall

Port Royal FORT A.P. HILL MILITARY RESERVE

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Voorhees W E S T M O R E L A N D Nature CO U N T Y Reserve Westmoreland Cou Museum and Visito

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Woodford

Rappahannock Cliffs

Montross

Loretto Bowling Green

Partlow

Kinsale “Almost Waterfront Home” Water View and Short Walk to Community Pier

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Beaverdam

Ruther Glen

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Richmon County Museum

Essex County Museum

Doswell Dunnsville

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St Stephens Church

Zoar State Forest

Montpelier Aylett

Hanover

360 Center Cross

Bruington

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Lanev

Yeocomico River Estate with Over 1,000 ft of Waterfrontage 6 BR 3 BA Totally Renovated c.1900 Farm Rockville House - Sailboat Depth Pier - Detached 2,000 Sq Ft Building Perfect for Guest House or Rental Priced Under Recent Appraisal $1,199,000 Priced $165,000 under recent appraisal33David Fine Owner/Agent 95 JUS

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14 Walkerton

301 Brand New Sandy Point Potomac River Custom Home

Manakin Sabot

295 Properties Rarely Come on the Glen Allen Market... Don’t Miss This! $899,000 73

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RICHMOND

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Tuckahoe

197 Coves at Wilton Creek - One Acre Waterfront Lot with Pier 4ft MLW and Electric 195 Jam Septic and Water Hook Up REDUCED to $84,900 e

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H E N R I CO CO U N T Y

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Work with a Local Real Estate expert with the world’s largest referral network. Offices in Callao and Kilmarnock 360 288 Pocahontas State Park

Industry leader based on global agent count and U.S. closed volume and sales units. The data was compiled by Keller Williams Realty, Inc. from company websites, SEC filings, industry reports and other publicly avialable sources

Little

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West Point

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Richmond International Airport

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DavidF52@AOL.comChester NorthernNeckGetAway.com 25 Sandy Street, Callao, CH EST ERF IEL DVA 22435 78 S. Main St, Kilmarnock, VA CO UN T Y

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K&Q Courthouse Tavern Museum

Quinton Standston

To View Every Property for Sale in The Northern Neck/Middle Peninsula Areas Visit www.NorthernNeckGetAway.com 95 “RANKED #1 in Customer Service 76 amongst ALL Real Estate Companies”

Waterfront Homes starting at $350,000

Richmond National Battlefield Park

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Mattaponi Indian Reservation

Highland Springs

s River

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King and Queen Court House

King William

Mechanicsville

4 Acre Yeocomico River Waterfront Lot - 4 Bedroom Septic Field Installed 146 Sailboat Depth Protected Pier - Electric at Site REDUCED to $200,000 David Fine Owner/Agent Midlothian

KI N G A N D Q U E E N CO U N T Y

King William Courthouse

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JA M E S C I T Y CO U N T Y

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We have you covered on both sides of the River

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Rappahannock River - Bowlers Wharf - $895,000

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Nomini Bay

Coles Point

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Smith Island

Kinsale Acorn

360

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Heathsville Ball Memorial Library & Museum

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360

Lively

Lancaster

Mary Ball Washington Museum Merry Point

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Jamaica

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Water View

Hughett Point Natural Area Lancaster Preserve Visitor Center

Kilmarnock Steamboat Era Museum

Church View

Ingram Bay

Fleets Bay

Irvington Urbana Visitor Center Urbanna

Mascot

Weems Christ Church

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Plymouth

Middlesex County Museum

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Windmill Point Wake Hardyville Deltaville

Hartfield

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Historic Gloucester Courthouse Square & Beaverdam Park

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MAT H E W S Hudgins CO UN T Y

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Hayes Gloucester Point

Mobjack Bay

Chesapeake Bay Horn Harbor

Stingray Point

Deltaville Maritime Museum

Cobbs Creek

Dutton

Spacious updated home overlooking the second fairway on Golden Eagle Golf Course; enjoy 1-floor living with open floor plan; central fireplace with gas logs insert & refinished hardwood floors. Great room with vaulted ceiling; dining area behind fireplace leads to family room, office/sunroom and deck; updated kitchen with new granite countertops, new appliances, sink and faucet plus utility room is off kitchen with washer & dryer and leads to 3-car attached garage which has been fully painted (floor, walls and ceiling). Primary suite located on one side of home with new carpet; double vanity with new granite counters, light fixtures, faucets and flooring; two additional bedrooms and bathrooms located on opposite side of home, each with updated bathrooms. Conveniently located between Irvington and Kilmarnock; hospital, YMCA, shopping, dining and more located nearby. Other upgrades include painting interior throughout, new light fixtures, new door hardware, new plumbing fixtures, new water heater, new bathroom floors.

Horn Harbor - Port Haywood - $595,000 Public Beach

Locust Hill

MI DD L ES EX COU N T Y

Ferry

White Stone

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Reedville Fisherman’s Museum

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Wonderful river home in beautiful Horn Harbor with short boat ride to the Chesapeake Bay; 3 bedrooms and 2.5 bathrooms with open living area leads to deck and screen porch with nice view; dock crosses a tidal pond providing nature at its finest along the shoreline; boat lift installed; primary bedroom and bathroom added in 2013; addition with family room, half bathroom, laundry room and office/bonus room added in 2014; town of Mathews is nearby offering restaurants, shopping and other amenities.

Whether you are buying or selling, we have you covered on the Northern Neck and Middle Peninsula! The proof is in our results!

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Rare offering on Cottage Row at Bowlers Wharf! Adorable well-maintained home with first floor primary bedroom; Living area and porch overlooking the beautiful Rappahannock River; dock with bulkhead and jetties; open floor plan on main level; two-story foyer; two additional bedrooms on second level; first class marina located close-by should you have a boat or need service. Wonderful location - 45 minutes to Richmond, 2 hours from No. VA.

Virmar Public Beach Lottsburg

Callao

PE N D IN G!

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Skipper Garrett

Betsy Stanley

804.370.4080

804.347.3488

REALTOR

SKIPPERGARRETT@SRMFRE.COM

New Point Comfort Lighthouse

REALTOR

BETSYSTANLEY@SRMFRE.COM

September 2025 11

Celebrating 50 Years of Guiding You Home

Years!

For 50 years, IsaBell K. Horsley Real Estate has proudly served the Northern Neck & Middle Peninsula— helping families and neighbors find their perfect place to call home.

From humble beginnings to becoming our area’s trusted real estate advisors, our story has always been about people and community.

Now, we’re opening the doors to our new White Stone office — carrying forward a tradition of local expertise, personal service, and trusted guidance.

URBANNA 61 Cross Street (804) 758-2430

WHITE STONE 608 Rappahannock Dr. (804) 435-2644

DELTAVILLE 17229 General Puller Hwy (804) 776-9297

MATHEWS 208 Main Street (804) 725-5680

& ALL the Surrounding Areas in the Northern Neck & Middle Peninsula

Rooted in tradition. Ready for tomorrow.

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H O R S L E Y R E A L E S TAT E . C O M

T h e R e a l E s t a t e Po i n t e r

Diana goes above and beyond!

“

We had an amazing experience working with Diana. She is extremely knowledgeable about the Northern Neck real estate market. She lives in the area, owns a family business in the area, and is very involved in the community. We live out of the area and Diana always worked with us to find convenient times for us to make the trip to see houses.

We were very specific in what we were looking for and Diana was so very patient and understanding. She was truly invested in finding us our perfect home. We never felt like she was exasperated and she never tried to convince us to buy something that wasn’t just right. It took almost 3 years and many many showings, but when THE house finally revealed itself, she made sure our offer was timely and viable. We are so happy with our beautiful new home on the Northern Neck and we have Diana to thank for it!”

I would love to help you with any of your Real Estate needs! Call or Text Anytime!

DIANA WOLFSON | 804-567-8348 | dianawolfson@horsleyrealestate.com

Great Location

Newly Priced

238 NORTH SIOUX ROAD KILMARNOCK, VA 22482 - $1,195,000 • Indian Creek 6’+ MLW - Private Pier - Protected Waterfront - Golf Cart, Bike, Ride to Indian Creek Yacht & Country Club - Spacious Waterside Deck - 3 Bedrooms / 2.5 Baths Living Room w/ a View, Wet Bar, & Fireplace - Waterfront Office 5 Minutes to Kilmarnock - Around the corner from the Chesapeake Bay

Call or Text DAVID DEW (c) 804.436.3106 • (o) 804.567.7527 David@HorsleyRealEstate.com

254 STILWATER DRIVE WICOMICO CHURCH, VA 22473 - $1,795,000 • Amazing Point of Waterfront w/ Views to the Chesapeake Bay - Protected 5’+ MLW Multiple Lifts - Private Concrete Boat Ramp - Completely Remodeled 2023-2024 Gorgeous Pool & Outdoor Kitchen - 4 Bedrooms (3 Ensuite) / 4.5 Baths Large Kitchen - Sunroom & More

Call or Text KATIE HORSLEY DEW (c) 804.436.6256 • (o) 804.361.9141 KatieDew@HorsleyRealEstate.com

Your LOCAL Real Estate Leaders - Trusted since 1975

W W W. H O R S L E Y R E A L E S TAT E . C O M

Winning 12 Consecutive Years!

Scan here for more information!

September 2025 13

For Over 65 Years!

Saluda : 804-758-2777

Since 1957

Urbanna 804-758-5372

Deltaville: 804-776-9295

Wilton Creek

Deltaville

Hartfield – 3 bedroom, 2 full bath Log home with nice views of Wilton Creek. Living room with fireplace, basement has a wood stove, wide covered porch, detached 3 car garage, pier with + 4’ MLW. Over 3 acres. $749,900

Delta Shores – 2 bedroom, 1 bath Ranch home with living room/kitchen combo, storage sheds, boat ramp water access nearby. 2 extra lots across the street from the house, carport for boat storage. $219,900

Sturgeon Creek

Deltaville

Deltaville – 2 bedroom, 1 bath cottage with living room/kitchen combo, cove views of Sturgeon Creek located in the heart of Deltaville. 2 private acres. Pier needs work. Tankless hot water heater, newer roof, nice deck. Many possibilities!! $449,500

Unique 2.35 acre property /2 cottages. Near Broad Creek – Callis Farmhouse has renovated eat-in kitchen, bath/laundry rm, living/dining rm, 2 bedrooms on 2nd story. Callis Store has open floor plan /masterfully built eat-in kitchen updated bath. 2nd story bedroom plus ample space. Detached garage and multiple outbuildings. Sold “As Is”. NOW $280,000

Mill Creek

Wake – 4 BR, 3 BA brick ranch on 18+ acres. Just off Rappahannock River & Chesapeake Bay! Finished Walk-out basement, workshop, waterfront patio. Attached garage, several outbuildings, detached barn, fenced pasture. Boathouse, floating boat dock & jet ski lifts, large platform pier. 4-5’ MLW $1,750,000

Parrotts Creek

Spacious 4,254 sqft 3-level waterfront home, 2.08 ac. Just off Rappahannock River. 3 bedrooms, 2 bonus rooms, 3 full baths. Great room /gas FP, 17’ ceilings. Kitchen /Granite counters, cherry cabinets & island. MBR suite /double sided gas FP, jetted tub. Walk-out basement /full BA, living space. Attached garage/workshop. Detached garage. Beautiful views! NOW $700,000

Like us on Facebook 14 T h e R e a l E s t a t e Po i n t e r • www.masonrealty.com 1-804-758-5372 Mason Realty Inc

WENDY SELF NEWSOME Associate Broker, GRI, ABR MIDDLE BAY REALTY

Spectacular water views. Beautiful waterfront home offers deep water pier on Glebe Creek off of the Coan River. Just minutes to the Potomac River/Chesapeake Bay. Sunroom overlooking deck, pool, and Glebe Creek. Large living room with gas log fireplace with mantle.

Spacious kitchen with lots of cabinets and dining room. Spacious primary bedroom suite with bath - large garden tub, shower. Guest bedroom suite with bath. Two guest bedrooms. Full bath. Entertainment/Family Room/Sunroom.

Hardwood, granite, and carpet floorings. Deck with hot tub. Detached two car garage with recently enhanced “Crab Shack” with full kitchen and bath. Pier offers electric, domestic water, boat lift, jet ski lifts, floating pier. Nicely landscaped with Gardening space available.

Some furnishings and water toys are negotiable. $874,000

Spectacular property - Two waterfront beach homes (109 & 111 Kent Ln) on Dividing Creek with spectacular views of the Dividing Creek/ Chesapeake Bay. Brick ranch offers large greatroom with access to open porch, family room with deck access, primary bedroom with bath, two additional bedrooms and baths, office/bonus room, craft room/ utility room, attached garage. Rinnai heating units & water heater. +/-2685 sq.ft. Built in 1947 with addition added in 1980. Guest home is partially renovated. +/- 1920 sq.ft. 4 bedroom septic. Large waterfront deck on lower level and waterfront balcony on upper level. Most rooms of both homes offer water views.

This unique point property has +/-1000 ft of waterfront. Enjoy sunrises, sunsets, boating, fishing, swimming, water sports, gardening, nature. $1,600,000

Tappahannock - Old Creek Lake

Brick ranch on + 1.4 acres offers 2542 sq ft of beautiful living space.

Greatroom with fireplace - kitchen offers lots of cabinets, Living room with fireplace, Dining area, Sunroom with hot tub, Primary bedroom with bath, Two additional spacious bedrooms, Two full baths, Large walk-in pantry/storage, attached open carport. Garage (2,130 sqft), Detached enclosed carport and open carport. Asphalt driveway. Must see!

Reduced! $345,000

Tappahannock

Richmond County 21+ Acres

U

!

CED

Little Wicomico River - Back Creek

Spectacular views of Machodoc Creek/Potomac River. Waterfront property offers sand on one side as well as pier on one side. Cottage offers primary BR with BA, two guest BRs, guest BA, kitchen, spacious LR, Waterfront - + 7 acres. Partially cleared. Partially sunroom/dining area, deck, attached garage. Short-term rental potential.. wooded. Shed. Stone driveway. $298,000 Enjoy relaxing, fishing, boating, swimming, skiing, paddle boarding, and other water sports! $375,000

Lewisetta Waterview

Great Wicomico River

Waterfront Lot - Great Wicomico River Approximately 2.71 acres. 3 Bedroom septic drainfield installed. Community Boat launch/pier. $59,000

21+ acres - 4 parcels - 4 septics - 4 manufactured homes garage with apartment - + 30 miles to Dahlgren, + miles to Fredericksburg. $599,000.

Narrows Beach - Coles Point Area

Beautiful home in quiet lakefront community neighborhood in Town of Tappahannock.Water views of 13-acre stocked Lake! Great room w/ dining area offers access to sunroom & deck. Primary BR suite w/ FP & bath. 3 add’l BRs - one has been used for office, two full BAs. Attached Gar, Shed.Tool Shed. Stone Driveway. Public sewer & water. Nearby - shopping, restaurants, public boat launch, hospital, medical offices, golf course. Enjoy canoeing, kayaking, swimming, and nature on the lake! 359,000

RED

Nice 3 bedroom 2 bath home on corner lot. Lots of hardwood floors. Deck. Fenced yard. Property is move-in ready! Enjoy being close to the amenities of historic town of Tappahannock. Public boat launch to Rappahannock River nearby. $249,500

100 N. Main Street, Kilmarnock VA 22482

Glebe Creek of Coan River

Chesapeake Bay ~ Dividing Creek

Heathsville

804-450-7963

Wendy@WendyNewsome.com

Welcome to Lewisetta - a close-knit community surrounded by water! Begin your days watching the sunrise over the Potomac River or enjoy the coastal breeze from the front porch with views of Kingscote Creek. Take advantage of the small town feel while watching the 4th of July parade, participating in the Saturday night kickball games, and laidback get togethers that keep families coming back year after year. Lewisetta Marina nearby offers easy access to the boat ramp for days on the water! This home boasts farmhouse charm with the metal roof, front porch corbels, and woodwork throughout. Make this home your own with a couple of updates or move right in and have a weekend get-a-way with plenty of space for family and friends! Reduced! $184,000

Lower Machodoc Creek One-of-a-kind waterfront lot (+ 1.80 acres) offers spectacular waterviews.

Property fronts on the Lower Machodoc Creek as well as tidal pond.

Existing singlewide/mobile home is conveying “as is” mainly for purposes of grandfathering for future development between 50’ & 100’ RPA. The following convey in “as is” condition: Boathouse and pier on tidal pond, well and septic.

Public Sewer connection is an option for future development/use. Lower Machodoc River offers deep water! $340,000

September 2025 15

Whether you need roofing, or landscaping, or anything in between visit one of our

LOCAL EXPERTS who can help you make your

NEW HOUSE, into your NEW HOME!

SERVICES

16

T h e R e a l E s t a t e Po i n t e r

Chesapeake Mechanical HVAC | COMMERCIAL | RESIDENTIAL

• AIR CONDITIONING • HEATING • MAINTENANCE • THERMOSTATS • MINI SPLIT INSTALLATIONS AND CONVERSIONS • GENERATOR INSTALLATION

804.426.2488

Marilyn’s “

HOME CLEANING

The most extensive home cleaning I’ve ever experienced - to the point of removing and cleaning the traps under each sink, and the crumb tray in the toaster!”

• RECURRING CLEANING • MOVE-IN/ MOVE-OUT • ONE-TIME CLEANING • DEEP CLEANING BOOK NOW! FOR YOUR SPRING CLEANING!

OVER 20 YEARS OF EXPERIENCE

804 714 6052

MAYRA.ARGUETA2018@GMAIL.COM September 2025 17

18

T h e R e a l E s t a t e Po i n t e r

Lotta lending lately.

And by “lately” we mean “for the past 125 years.”

And by “lending” we mean “mortgages, business loans and such.”

And by “lotta” we mean… “a good amount of”?

So yeah.

Lotta lending lately.

The Chesapeake Way

Serving our communities: Northern Neck | Middle Peninsula | Williamsburg Richmond | Chesterfield | Peninsula Member FDIC

September 2025 19

Pam Bosmans PRINCIPAL BROKER

540-226-4719

105 Smith Point Circle Reedville VA 22539

pambosmans@gmail.com • cobblestonerealtyinc.com

1383 SHERWOOD DR. REEDVILLE VA 22539 $550,000 * Open Floor plan with GREAT VIEWS * Thriving AirBnB * 3 Bedrooms 2 Full Baths * Dock with boat & Jet ski lifts * Screened in porch * Fully furnished

41 MERCERS WAY 0 IRVINGTON VA $379,500

* Located in popular Hills Quaters * Open floor plan with vaulted ceilings * Large eat in kitchen; rear deck

* 3 bedroom 2 full baths 2038 sq ft * 2 car garage * Community pool, tennis, pickleball & clubhouse

NEW PRICE!

813 COAN HARBOUR DRIVE LOTTSBURG VA 22511 $585,000

* Brick rancher on 6.6 acres * Detached Brick Garage w/ work space * 4 Bedroom 3.5 baths

159 FLEETON POINT * Classic 1920s Bay home with Private Beach and Broad Bay CIRCLE REEDVILLE VA views * 4 BR 3 BA 2933 sq ft home on 22539 sewer & town water $875,000 * Detached 2 car garage LOT 10 RED HEAD CT IN MALLARD BAY 1.31 AC Water Access, Community Amenities include pool, pickleball, clubhouse, dock and picnic area $25,000 Lot 52 Twin Harbors .91 AC level lot $45,000

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T h e R e a l E s t a t e Po i n t e r

* Family room with gas fire place * Attached 2 car oversized garage * Waterfront, with wetland

118 HARVEY LANE, HEATHSVILLE, VA 22473 $ 850,000

NEW PRICE!

NEW PRICE!

* Large gathering room with incredible views * Porches, deck, hardwood floors, high ceilings * Quaint Fleeton village location

467 BLUNDONS RD REEDVILLE VA 22539 $399,900

LOTS & L AND

* Grand and stately 2,492 SF Home on 1.43 AC * Main floor Primary Bedroom, and Bath * 5 BRs and 3 full Baths

* Modern Kitchen and Rear Sunroom * Dock on deep water; small beach * Bed and Breakfast / AirBnB Possibility!

* Farmhouse with total remodel * 3BR/2BA * 3.16 AC with water view * Storage shipping container included

* Close to Buzzard Point Marina * Thriving AirBnB

LOT 62 KNIGHTS LANDING 3.03 ACRES In water access community amenities include boat ramp, dock and picnic area at water. $28,500 LOT 3 WICOMICO HARBOUR ESTATES Waterfront with dock/ riprap .75 acre level lot $250,000