NOT LISTED FOR SALE

205 Otter Cove Deltaville, VA 23043

Estimated Value: $603,000 - $1,144,000

3 Beds
3 Baths
3,405 Sq Ft
$281/Sq Ft Est. Value

Last Sold March 28, 2022

Last sale price $855,000 $251 Per Sq Ft

Est. 12% increase in value since last sale

Current estimated payment $5,404/month

88 Days on Market

Highlights

  • Boat Dock
  • Beach
  • Boat Lift
  • Middlesex High School Rated 9+
  • Boat Ramp
  • Home fronts a creek

About This Home

As of March 2022

Waterfront home on protected Hunton Creek, just off of the Rappahannock River. The property offers expansive views out to the Rappahannock River. From the moment you walk in the door, the open floor plan helps showcase the water views. There is a large kitchen with bar, 3 bedrooms, 3 bathrooms, living room, family room, office area, screened porch, garage (with walk up storage) and more. The property offers a dock with boat lift (12,000 lb.) and multiple slips, waterfront deck, generator, paver driveway and patio area. Community beach and boat ramp. The location provides quick access to the Rappahannock River and the Chesapeake Bay! No flood insurance required!! Internet available.

Last Agent to Sell the Property

Hunter Law

IsaBell K. Horsley Real Estate License #0225199071 Listed on: 11/29/2021

Last Buyer's Agent

Terry Smith

RW Towne Realty License #0225192610

RW Towne Realty

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $3,135

Year Built

  • Built in 1990

Lot Details

  • 0.91 Acre Lot
  • Home fronts a creek
  • Property is Fully Fenced

HOA Fees

  • $23 Monthly HOA Fees

Parking

  • 1.5 Car Attached Garage

Home Design

  • Custom Home
  • Composition Roof
  • Vinyl Siding

Interior Spaces

  • 3,405 Sq Ft Home
  • 1-Story Property
  • Crawl Space

Bedrooms and Bathrooms

  • 3 Bedrooms
  • 3 Full Bathrooms

Outdoor Features

  • Boat Lift
  • Boat Ramp
  • Docks
  • Deck
  • Front Porch

Schools

  • Middlesex Elementary School
  • Saint Clare Walker Middle School
  • Middlesex High School

Utilities

  • Zoned Heating and Cooling
  • Heat Pump System
  • Well
  • Water Heater
  • Septic Tank

Listing and Financial Details

  • Tax Lot 5
  • Assessor Parcel Number 40-109-5

Community Details

Overview

  • River Bank Acres Subdivision

Recreation

  • Boat Dock
  • Community Boat Facilities
  • Beach

Home Details

Home Type

Single Family

Est. Annual Taxes

$3,135

Year Built

Built in 1990

Lot Details

0

HOA Fees

$23 per month

Parking

1

Listing Details

  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Year Built: 1990
  • Property Attached Yn: No
  • Lot Size Acres: 0.913
  • Water Body Name: Hunting Creek
  • Ownership: Individuals
  • Subdivision Name: River Bank Acres
  • Architectural Style: Custom, Two Story
  • Garage Yn: Yes
  • New Construction: No
  • Year Built Details: Actual
  • ResoBuildingAreaSource: Owner
  • Property Sub Type Additional: Single Family Residence
  • Special Features: None

Interior Features

  • Basement: Crawl Space
  • Appliances: Electric Water Heater
  • Basement YN: No
  • Full Bathrooms: 3
  • Total Bedrooms: 3
  • Living Area: 3405.0
  • Stories: 1
  • ResoLivingAreaSource: Owner

Exterior Features

  • Roof: Composition
  • Fencing: Fenced, Full
  • Lot Features: Waterfront
  • Pool Features: None
  • Waterfront Features: Creek, Boat Ramp/Lift Access, Waterfront
  • Waterfront: Yes
  • Construction Type: Block, Vinyl Siding
  • Exterior Features: Boat Lift, Deck, Dock
  • Patio And Porch Features: Front Porch, Deck
  • Property Condition: Resale

Garage/Parking

  • Attached Garage: Yes
  • Garage Spaces: 1.5
  • Parking Features: Attached, Garage

Utilities

  • Heating: Electric, Heat Pump, Zoned
  • Cooling: Heat Pump, Zoned
  • Sewer: Septic Tank
  • Water Source: Well
  • Cooling Y N: Yes
  • Heating Yn: Yes

Condo/Co-op/Association

  • Community Features: Beach, Boat Facilities, Dock
  • Association Fee: 280.0
  • Association Fee Frequency: Annually
  • Association: Yes

Fee Information

  • Association Fee Includes: Water Access

Schools

  • Middle Or Junior School: Saint Clare Walker

Lot Info

  • Parcel Number: 40-109-5
  • Zoning Description: R
  • ResoLotSizeUnits: Acres

Tax Info

  • Tax Year: 2021
  • Tax Annual Amount: 3135.0
  • Tax Lot: 5

MLS Schools

  • Elementary School: Middlesex
  • High School: Middlesex

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Nov 29, 2021
Closed on
Mar 15, 2022
Sold by
David Finney John and David Jane Elena
Bought by
Brewer James P and Brewer Linda K
Seller's Agent
Hunter Law
IsaBell K. Horsley Real Estate
Buyer's Agent
Terry Smith
RW Towne Realty
List Price
$899,900
Sold Price
$855,000
Premium/Discount to List
-$44,900
-4.99%
Current Estimated Value
$957,738

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$102,738
Avg. Annual Appreciation
3.26%
Original Mortgage
$641,250
Outstanding Balance
$555,579
Interest Rate
3.09%
Mortgage Type
New Conventional
Estimated Equity
$402,159

Purchase Details

Listed on
Apr 21, 2015
Closed on
Jul 11, 2017
Sold by
Parker Michael Steven and Parker Anna Marie
Bought by
Finney John David and Finney Elena Jane
Seller's Agent
Helen Edwards
Edwards Bay & River Properties
Buyer's Agent
Helen Edwards
Edwards Bay & River Properties
List Price
$649,000
Sold Price
$638,000
Premium/Discount to List
-$11,000
-1.69%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
6.44%
Original Mortgage
$510,400
Interest Rate
3.89%
Mortgage Type
Adjustable Rate Mortgage/ARM
Source: Public Records

Range of Values:

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Average Value
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

Date Buyer Sale Price Title Company
Brewer James P $855,000 Fidelity National Title
Finney John David $638,000 Attorney
Source: Public Records

Mortgage History

Date Status Borrower Loan Amount
Open Brewer James P $641,250
Previous Owner Finney John David $510,400
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
03/28/2022 03/28/22 Sold $855,000 -5.0% $251 / Sq Ft
02/26/2022 02/26/22 Pending -- -- --
11/29/2021 11/29/21 For Sale $899,900 +41.1% $264 / Sq Ft
07/21/2017 07/21/17 Sold $638,000 0.0% $202 / Sq Ft View Prior Sale
10/19/2016 10/19/16 Off Market $638,000 -- --
04/21/2015 04/21/15 For Sale $649,000 -- $205 / Sq Ft
Source: Chesapeake Bay & Rivers Association of REALTORS®

Tax History Compared to Growth

Source: Public Records

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 $3,640 $596,800 $187,000 $409,800
2024 $3,640 $596,800 $187,000 $409,800
2023 $3,482 $570,800 $187,000 $383,800
2022 $3,482 $570,800 $187,000 $383,800
2021 $3,135 $505,700 $182,500 $323,200
2020 $3,135 $505,700 $182,500 $323,200
2019 $3,135 $505,700 $182,500 $323,200
2018 $2,988 $505,700 $182,500 $323,200
2017 $2,988 $505,700 $182,500 $323,200
2016 $2,352 $443,800 $181,000 $262,800
2015 -- $0 $0 $0
2014 -- $0 $0 $0
2013 -- $0 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • H

    Seller's Agent in 2022

    Hunter Law

    IsaBell K. Horsley Real Estate

    125 Total Sales

    Hunter Law
    Section Image
  • Terry Smith

    Buyer's Agent in 2022

    Terry Smith

    RW Towne Realty

    (757) 377-1443

    96 Total Sales

    Terry Smith
    Section Image

  • H

    Seller's Agent in 2017

    Helen Edwards

    Edwards Bay & River Properties

    (804) 776-8494

    22 Total Sales

    Helen Edwards
    Section Image
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Map

Source: Chesapeake Bay & Rivers Association of REALTORS®

MLS Number: 2135273

Chesapeake Bay & Rivers Association of REALTORS®

APN: 40-109-5

Virginia Middlesex County Deltaville 23043

205 Otter Cove, Deltaville, VA

This home is located at 205 Otter Cove, Deltaville, VA 23043 since 29 November 2021 and is currently estimated at $957,738, approximately $281 per square foot. This property was built in 1990. 205 Otter Cove is a home located in Middlesex County with nearby schools including Middlesex Elementary School, St. Clare Walker Middle School, and Middlesex High School.

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

Chesapeake Bay & Rivers Association of REALTORS® IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.

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