NOT LISTED FOR SALE

197 Cardinal Ln White Stone, VA 22578

Estimated Value: $538,000 - $761,000

3 Beds
2 Baths
1,712 Sq Ft
$402/Sq Ft Est. Value

Sale Details

Date Sold: March 8, 2024

Last sale price $705,000 $412 Per Sq Ft

Est. 2% decrease in value since last sale

Current estimated payment $3,964 / mo

90 Days on Market

Highlights

  • Pier or Dock
  • Deck
  • Cathedral Ceiling
  • River View
  • Ranch Style House
  • Wood Flooring

About This Home

As of March 2024

Fabulous Location to towns & the Chesapeake Bay! Located on Tabbs Creek, on a protected cove, yet minutes to the open Fleets/Chesapeake Bay. Great boating, fishing, dolphin watching, beaches, & water fun are just minutes away! Awesome Pier with 2 Jet Ski Lifts, a Boat Lift, & a Large boat slip, was once home to a 40' Fishing Boat. Great exterior with New Composite Deck, outdoor shower, Fish cleaning table, waterfront Patio, two detached sheds newly painted, one attached shed, & lovely landscaping with two raised garden beds. Wonderful ranch-style home with a NEW Roof & NEW vinyl cedar-shake siding. One-floor Living with an open-designed floor plan having a Living/Dining combination with a vaulted/beam ceiling, wood-burning fireplace, built-in cabinets/shelves, & lots of glass including a sliding glass door to the waterside deck. The primary bedroom has fabulous water views on two sides with oversized windows. The second bedroom is so large it fits two queen-sized beds comfortably. The third room is an office but could be a great guest bedroom area for overflow. High-Speed Internet! This easy waterfront living is perfect for a primary or a secondary home as it provides an easy-to-maintained home and yard which allows more time for playing on the BAY or a quick run into town for small community fun & dining.

Last Agent to Sell the Property

David Dew

Isabell K. Horsley R. E., Ltd. Brokerage Phone: 8047582430 Listed on: 10/18/2023

Last Buyer's Agent

Pat Willett

Isabell K. Horsley R. E., Ltd. License #0225046532

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $2,424

Year Built

  • Built in 1985

Lot Details

  • 24,394 Sq Ft Lot
  • River Front
  • Zoning described as R1

Home Design

  • Ranch Style House
  • Composition Roof
  • Vinyl Siding

Interior Spaces

  • 1,712 Sq Ft Home
  • Sheet Rock Walls or Ceilings
  • Cathedral Ceiling
  • Ceiling Fan
  • Window Treatments
  • Living Room with Fireplace
  • Dining Area
  • River Views
  • Crawl Space

Kitchen

  • Range with Range Hood
  • Dishwasher

Flooring

  • Wood
  • Wall to Wall Carpet
  • Tile

Bedrooms and Bathrooms

  • 3 Main Level Bedrooms
  • 2 Full Bathrooms

Laundry

  • Dryer
  • Washer

Parking

  • Carport
  • Stone Driveway
  • Open Parking

Outdoor Features

  • Deck
  • Patio
  • Shed

Utilities

  • Cooling Available
  • Heat Pump System
  • Tankless Water Heater
  • Septic Tank

Listing and Financial Details

  • Property is used as a vacation rental
  • Assessor Parcel Number 35 53J

Community Details

Overview

  • No Home Owners Association

Recreation

  • Pier or Dock

Home Details

Home Type

Single Family

Est. Annual Taxes

$2,424

Year Built

Built in 1985

Lot Details

0.56 Acres

Listing Details

  • Property Sub Type: Waterfront Residential
  • Prop. Type: Residential
  • Lot Size Acres: 0.56
  • Road Surface Type: Paved
  • Water Body Name: Chesapeake Bay
  • Subdivision Name: None
  • Architectural Style: Ranch
  • Carport Y N: Yes
  • Unit Levels: One
  • Year Built: 1985
  • Kitchen Level: Main
  • Special Features: None

Interior Features

  • Appliances: Tankless Water Heater, Dishwasher, Dryer, Range, Range Hood, Refrigerator, Washer
  • Has Basement: Crawl Space
  • Full Bathrooms: 2
  • Total Bedrooms: 3
  • Fireplace Features: Living Room, Other
  • Fireplace: Yes
  • Flooring: Hardwood, Tile, Wall to Wall Carpet
  • Interior Amenities: 1st Floor Bedroom, Cathedral/Vaulted/Tray Ceilings, Fireplace, Other
  • Living Area: 1712
  • Main Level Bedrooms: 3
  • Window Features: Window Treatments
  • Room Bedroom2 Level: Main
  • Dining Room Features: Dining Area, Living Room Combo
  • Room Bedroom3 Level: Main

Exterior Features

  • Lot Features: .5-.9 acre
  • View: River/Creek View
  • View: Yes
  • Waterfront Features: Pier/Dock, River/Creek Front
  • Waterfront: Yes
  • Construction Type: Vinyl Siding, Other, Sheetrock Walls
  • Exterior Features: Other
  • Other Structures: Shed(s), Other
  • Patio And Porch Features: Deck, Patio
  • Roof: Age 0-9 yrs, Composition

Garage/Parking

  • Attached Garage: No
  • Open Parking: Yes
  • Parking Features: Carport, Stone Driveway

Utilities

  • Laundry Features: Washer/Dryer Hookup
  • Cooling: Ceiling Fan(s), Heat Pump
  • Cooling Y N: Yes
  • Heating: Heat Pump
  • Heating Yn: Yes
  • Sewer: Septic Tank
  • Water Source: Community

Condo/Co-op/Association

  • Association: No

Lot Info

  • Lot Size Sq Ft: 24393.6
  • Zoning Description: R1
  • ResoLotSizeUnits: SquareFeet

Rental Info

  • Lease Term: Vacation Rental

Tax Info

  • Tax Annual Amount: 2424.24
  • Tax Book Number: 440/231
  • Tax Map Number: 35 53J

Ownership History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Name Owned For Owner Type

Purchase Details

Listed on
Oct 18, 2023
Closed on
Feb 26, 2024
Sold by
Bought by
Seller's Agent
David Dew
Isabell K. Horsley R. E., Ltd.
Buyer's Agent
Pat Willett
Isabell K. Horsley R. E., Ltd.
List Price
$725,000
Sold Price
$705,000
Premium/Discount to List
-$20,000
-2.76%
Views
163
Current Estimated Value
$688,691

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$16,309
Avg. Annual Appreciation
-1.02%
Original Mortgage
$493,500
Outstanding Balance
$480,810
Interest Rate
5.13%
Mortgage Type
New Conventional
Estimated Equity
$207,881

Purchase Details

Closed on
Nov 27, 2023
Sold by
Bought by

Purchase Details

Closed on
Feb 22, 2022
Sold by
Bought by

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$250,000
Interest Rate
3.5%
Mortgage Type
New Conventional
Source: Public Records
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Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Buyer Sale Price Title Company
$705,000 Lawyers Title
-- None Listed On Document
-- River Title
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Borrower Loan Amount
Open $493,500
Previous Owner $250,000
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft
03/17/2024 03/17/24 Off Market $725,000 -- --
03/08/2024 03/08/24 Sold $705,000 -2.8% $412 / Sq Ft
10/18/2023 10/18/23 For Sale $725,000 -- $423 / Sq Ft
Source: Northern Neck Association of REALTORS®

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

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 $2,928 $532,300 $190,000 $342,300
2024 $2,928 $532,300 $190,000 $342,300
2023 $2,424 $384,800 $180,000 $204,800
2022 $2,424 $384,800 $180,000 $204,800
2021 $2,424 $384,800 $180,000 $204,800
2020 $2,424 $384,800 $180,000 $204,800
2019 $2,424 $384,800 $180,000 $204,800
2018 $2,344 $397,300 $184,000 $213,300
2017 $2,344 $397,300 $184,000 $213,300
2016 -- $388,100 $184,000 $204,100
2014 -- $0 $0 $0
2013 -- $0 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Northern Neck Association of REALTORS®

MLS Number: 115403

APN: 35-53J

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