248 Cardinal Ln White Stone, VA 22578
Estimated payment $5,021/month
Highlights
- Hot Property
- Private Water Access
- River View
- Pier or Dock
- Outdoor Pool
- Deck
About This Home
Step back in time with this Queen Anne Victorian Farmhouse, built in 1870 and lovingly updated to blend the elegance of yesteryear with the conveniences of today. Nestled on Tabbs Creek, just off the Chesapeake Bay, this waterfront treasure offers the perfect balance of history, character, and modern comfort. The home features 4 bedrooms and 3 full baths, along with a layout that flows gracefully for everyday living and entertaining. Inside, you'll find hardwood floors, intricate millwork, and a beautifully renovated kitchen, as well as fresh interior paint and numerous recent upgrades. Enjoy the outdoors with a private pier in excellent condition, offering 5–6' MLW and a boat lift, ideal for boating, fishing, or crabbing. When not on the water, relax by the in-ground waterfront pool, framed by over 2 acres of mature grounds. Key updates include a new kitchen, new pool liner, new pavers, multiple new HVAC units, and more (see feature sheet for full list). The slate roof was updated in 2014, with architectural additions marking the home's evolution: a two-story front wing added in 1912 and a rear addition completed in 1990. Located just minutes from White Stone, Irvington, and Kilmarnock, this property offers easy access to boutique shopping, dining, and community amenities, all while preserving its rich history and timeless waterfront setting. This is more than a house—it's a piece of Northern Neck history waiting for its next chapter.
Listing Agent
Isabell K. Horsley R. E., Ltd. Brokerage Phone: 8047582430 Listed on: 09/04/2025
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $3,545
Year Built
- Built in 1870
Lot Details
- 2 Acre Lot
- River Front
- Zoning described as R1
Home Design
- Victorian Architecture
- Plaster Walls
- Slate Roof
- Wood Siding
Interior Spaces
- 3,004 Sq Ft Home
- 2-Story Property
- Sheet Rock Walls or Ceilings
- Living Room
- Dining Room
- River Views
- Crawl Space
Kitchen
- Range with Range Hood
- Microwave
- Dishwasher
- Disposal
Flooring
- Wood
- Wall to Wall Carpet
- Tile
- Vinyl
Bedrooms and Bathrooms
- 4 Bedrooms
- Main Floor Bedroom
- 3 Full Bathrooms
Laundry
- Dryer
- Washer
Parking
- Garage
- Stone Driveway
- Open Parking
Outdoor Features
- Outdoor Pool
- Private Water Access
- Deck
- Patio
Utilities
- Cooling Available
- Heat Pump System
- Electric Water Heater
- Septic Tank
Listing and Financial Details
- Assessor Parcel Number 35-53P
Community Details
Overview
- No Home Owners Association
- White Stone Subdivision
Recreation
- Pier or Dock
Map
Home Values in the Area
Average Home Value in this Area
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 |
|---|---|---|---|---|
| 2024 | $3,545 | $644,500 | $224,500 | $420,000 |
| 2023 | $2,660 | $422,300 | $204,500 | $217,800 |
| 2022 | $2,660 | $422,300 | $204,500 | $217,800 |
| 2021 | $2,660 | $422,300 | $204,500 | $217,800 |
| 2020 | $2,660 | $422,300 | $204,500 | $217,800 |
| 2019 | $2,629 | $417,300 | $204,500 | $212,800 |
| 2018 | $2,360 | $400,000 | $206,500 | $193,500 |
| 2017 | $2,360 | $400,000 | $206,500 | $193,500 |
| 2016 | -- | $400,000 | $206,500 | $193,500 |
| 2014 | -- | $0 | $0 | $0 |
| 2013 | -- | $0 | $0 | $0 |
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 09/05/2025 09/05/25 | For Sale | $895,000 | +80.8% | $315 / Sq Ft |
| 06/08/2018 06/08/18 | Sold | $495,000 | 0.0% | $165 / Sq Ft |
| 06/12/2016 06/12/16 | Off Market | $495,000 | -- | -- |
| 11/20/2015 11/20/15 | For Sale | $569,000 | -- | $189 / Sq Ft |
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $495,000 | Lawyers Title/Mid Peninsula |
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $392,800 | Stand Alone Refi Refinance Of Original Loan | |
| Closed | $397,000 | New Conventional | |
| Closed | $396,000 | New Conventional | |
| Previous Owner | $60,000 | Credit Line Revolving |
Source: Northern Neck Association of REALTORS®
MLS Number: 119347
APN: 35-53P
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