$435,000
SOLD NOV 12, 2025

1349 James Wharf Rd White Stone, VA 22578

1 Bed
2 Baths
1,282 Sq Ft
177,115 Sq Ft Lot

Recently Sold

$339 Per Sq Ft

17% Below List Price

28 Days on Market

Highlights

  • Pier or Dock
  • Home fronts a pond
  • River View
  • Private Water Access
  • Sauna
  • Wood Burning Stove

About This Home

As of November 2025

Private 4+ Acres with Water Views & Ready-to-Build Homesite! This private 4+ acre parcel comes ready with a 3-bedroom septic system installed and a site plan showing setbacks from scenic Saunders Pond, just off the Rappahannock River. Take in the natural beauty, with river views and abundant wildlife to enjoy year-round. A three-car garage with a full bath on the main level offers both interior and exterior access to the living space above. The open-concept design features a living room, kitchen, and dining area with flowing pine floors and custom cabinetry. A spacious bedroom with a screened porch overlooking the grounds provides the perfect retreat, while a flexible office/additional sleeping area with French doors makes hosting guests a breeze. Additional features include a full bath, laundry closet, and extra storage space. For hobbyists and collectors, an additional 40x20 two-car garage offers the ideal workshop or storage space, while a 20x24 carport provides even more parking options. A 20x32 pavilion area is great for covered picnics with family and friends. With endless possibilities to build your dream home while enjoying the existing comforts, this property is a rare opportunity. Conveniently located in White Stone, you'll be just minutes from dining, shopping, and marinas.

Last Agent to Sell the Property

Jessica Bell

Isabell K. Horsley R. E., Ltd. Brokerage Phone: 8047582430 License #0225211840 Listed on: 08/19/2025

Co-Listed By

Hilary Scott

Isabell K. Horsley R. E., Ltd. Brokerage Phone: 8047582430 License #0225248551

Last Buyer's Agent

Non-MLS Non-MLS

Non-MLS Office

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $1,623

Year Built

  • Built in 2007

Lot Details

  • 4.07 Acre Lot
  • Home fronts a pond
  • River Front
  • Partially Wooded Lot
  • Zoning described as R1

Home Design

  • Slab Foundation
  • Composition Roof
  • Vinyl Siding

Interior Spaces

  • 1,282 Sq Ft Home
  • 2-Story Property
  • Sheet Rock Walls or Ceilings
  • Ceiling height of 9 feet or more
  • Ceiling Fan
  • Wood Burning Stove
  • Living Room with Fireplace
  • Dining Area
  • Screened Porch
  • Sauna
  • River Views
  • Fire and Smoke Detector
  • Washer and Dryer Hookup

Kitchen

  • Eat-In Kitchen
  • Range
  • Microwave
  • Dishwasher

Flooring

  • Pine Flooring
  • Tile

Bedrooms and Bathrooms

  • 1 Bedroom
  • 2 Full Bathrooms

Parking

  • Garage
  • Carport
  • Garage Door Opener
  • Driveway
  • Open Parking

Outdoor Features

  • Private Water Access
  • Balcony
  • Patio
  • Separate Outdoor Workshop

Utilities

  • Central Air
  • Heating Available
  • Artesian Water
  • Electric Water Heater
  • Septic Tank

Listing and Financial Details

  • Assessor Parcel Number 33-503A

Community Details

Overview

  • No Home Owners Association
  • White Stone Subdivision

Recreation

  • Pier or Dock

Home Details

Home Type

Single Family

Est. Annual Taxes

$1,623

Year Built

Built in 2007

Lot Details

4.07 Acres

Listing Details

  • Property Sub Type: Waterfront Residential
  • Prop. Type: Residential
  • Lot Size Acres: 4.066
  • Water Body Name: Rappahannock River
  • Co List Office Mls Id: 35
  • Co List Office Phone: 804-758-2430
  • Subdivision Name: White Stone
  • Architectural Style: Other
  • Carport Y N: Yes
  • Garage Yn: Yes
  • Unit Levels: Two
  • Year Built: 2007
  • Kitchen Level: Second
  • Special Features: None

Interior Features

  • Appliances: Electric Water Heater, Dishwasher, Microwave, Range
  • Full Bathrooms: 2
  • Total Bedrooms: 1
  • Fireplace Features: Living Room, Wood Burning Stove
  • Fireplace: Yes
  • Flooring: Pine, Tile
  • Interior Amenities: Ceiling 9 Ft+, Sauna
  • Living Area: 1282
  • Dining Room Features: Dining Area, Eat-in Kitchen

Exterior Features

  • Lot Features: 2-4.9 acres, Part Wooded
  • View: River/Creek View
  • View: Yes
  • Waterfront Features: Pier/Dock, Pond Front, River/Creek Front, Water Access-Private
  • Waterfront: Yes
  • Construction Type: Vinyl Siding, Sheetrock Walls
  • Exterior Features: Balcony/Widow Walk
  • Foundation Details: Slab
  • Other Structures: Workshop, Other
  • Patio And Porch Features: Patio, Screened Porch
  • Roof: Age 10+ yrs, Composition

Garage/Parking

  • Open Parking: Yes
  • Parking Features: Attached, Carport, Detached, Garage, Elec Garage Door Opener, Natural Driveway

Utilities

  • Laundry Features: Washer/Dryer Hookup
  • Security: Smoke Detector(s)
  • Cooling: Ceiling Fan(s), Central Air
  • Cooling Y N: Yes
  • Heating: Heat Pump
  • Heating Yn: Yes
  • Sewer: Septic Tank
  • Water Source: Artesian

Condo/Co-op/Association

  • Association: No

Lot Info

  • Lot Size Sq Ft: 177114.96
  • Zoning Description: R1

Tax Info

  • Tax Annual Amount: 1623
  • Tax Book Number: LR20030004541
  • Tax Map Number: 33-503A

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Aug 19, 2025
Closed on
Nov 5, 2025
Sold by
Nichols Teresa J
Bought by
Jagannath Valaiyapathy and Moncure Varland Margaret
Seller's Agent
Jessica Bell
Isabell K. Horsley R. E., Ltd.
Buyer's Agent
Non-MLS Non-MLS
Non-MLS Office
List Price
$525,000
Sold Price
$435,000
Premium/Discount to List
-$90,000
-17.14%
Views
33
Current Estimated Value
$447,883

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$12,883
Avg. Annual Appreciation
8.21%
Original Mortgage
$369,750
Outstanding Balance
$368,710
Interest Rate
6.34%
Mortgage Type
New Conventional
Estimated Equity
$79,173
Source: Public Records
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Purchase History

Date Type Sale Price Title Company
Deed $435,000 Fidelity National Title
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $369,750 New Conventional
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
11/12/2025 11/12/25 Sold $435,000 -8.4% $339 / Sq Ft
09/08/2025 09/08/25 Price Changed $475,000 -9.5% $371 / Sq Ft
08/19/2025 08/19/25 For Sale $525,000 -- $410 / Sq Ft
Source: Northern Neck Association of REALTORS®

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $1,623 $295,100 $98,900 $196,200
2024 $1,623 $295,100 $98,900 $196,200
2023 $1,322 $209,800 $93,900 $115,900
2022 $1,322 $209,800 $93,900 $115,900
2021 $1,322 $209,800 $93,900 $115,900
2020 $1,322 $209,800 $93,900 $115,900
2019 $1,322 $209,800 $93,900 $115,900
2018 $1,046 $177,300 $67,900 $109,400
2017 $1,046 $177,300 $67,900 $109,400
2016 -- $177,300 $67,900 $109,400
2014 -- $0 $0 $0
2013 -- $0 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • J

    Seller's Agent in 2025

    Jessica Bell

    Isabell K. Horsley R. E., Ltd.

    (804) 436-4251

    83 Total Sales

    Jessica Bell
    Section Image

  • H

    Seller Co-Listing Agent in 2025

    Hilary Scott

    Isabell K. Horsley R. E., Ltd.

    (804) 580-1018

    75 Total Sales

    Hilary Scott
    Section Image

  • N

    Buyer's Agent in 2025

    Non-MLS Non-MLS

    Non-MLS Office

See All Agents

Map

Source: Northern Neck Association of REALTORS®

MLS Number: 119262

APN: 33-503A

Virginia Lancaster County White Stone 22578

1349 James Wharf Rd, White Stone, VA

Sold

Detached

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