$448,000

430 Pine Tree Rd Center Cross, VA 22437

Estimated payment $2,591/month

Total Views 280
3 Beds
2 Baths
1,400 Sq Ft
$320 Price per Sq Ft

Highlights

  • Water Views
  • Beach
  • Deck
  • Boat Dock
  • Water Access
  • Wood Flooring

About This Home

Rappahannock River Views and Access - South Hill Banks Waterfront Community with Beach, Pier, Boat Ramp, and Picnic area! This home has wonderful views of the River! Ride your golf cart down to the Beach and enjoy!! This home offers 3 bedrooms and 2 bathrooms, a large great room & kitchen with wonderful Rivah Views! This home features: hardwood floors, replacement windows, roof (2023), HVAC (2025), nice kitchen cabinets, skylights in kitchen, Primary bedroom with own bathroom, a bonus overflow guest/office room, plenty of storage, and new moisture barrier (6/2025) in crawl space along with new dehumidifier (6/2025) This home offers a wonderful deck facing the Rappahnnoock River - great for entertaining and enjoying your crabs while taking in the view! There is a detached "Crab Shack" with electricity and water. A wonderful, detached shed with garage door for all your lawn equipment and storage, you can put a golf cart in there too! Have a boat? You can launch at the private boat ramp or you are only a few miles from Garrett's Marina and public boat landing- so bring your boat and enjoy the fishing and crabbing in the River! This community has so many activities: 4th of July parade, corn hole tournaments, Horseshoes, Labor Day Celebrations, and golf cart friendly community. The Pavillion down at the beach is a great place to have family reunions and cookouts! This home was originally built in 1968 with renovations 1998 and updates 2024. This property offers so much - Rappahannock Views, Rappahannock access with beach, pier, ramp, picnic area, within minute to marina and well-maintained home and move in ready! Don't miss this one- its rare this type of property comes on the market!!!

Listing Agent

Renee Edwards

Morgan & Edwards Real Estate License #0225045109 Listed on: 06/26/2025

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $1,137

Year Built

  • Built in 1968

Lot Details

  • 0.26 Acre Lot
  • Zoning described as SFD

HOA Fees

  • $10 Monthly HOA Fees

Home Design

  • Frame Construction
  • Shingle Roof
  • Vinyl Siding

Interior Spaces

  • 1,400 Sq Ft Home
  • 1-Story Property
  • Ceiling Fan
  • Thermal Windows
  • Insulated Doors
  • Dining Area
  • Water Views
  • Crawl Space
  • Stacked Washer and Dryer

Kitchen

  • Induction Cooktop
  • Microwave
  • Dishwasher
  • Laminate Countertops

Flooring

  • Wood
  • Carpet
  • Laminate

Bedrooms and Bathrooms

  • 3 Bedrooms
  • 2 Full Bathrooms

Parking

  • Driveway
  • Unpaved Parking

Outdoor Features

  • Water Access
  • Deck
  • Shed
  • Outbuilding
  • Side Porch

Schools

  • Essex Elementary And Middle School
  • Essex High School

Utilities

  • Central Air
  • Heating System Uses Propane
  • Heat Pump System
  • Shared Well
  • Water Heater
  • Septic Tank

Listing and Financial Details

  • Tax Lot 72
  • Assessor Parcel Number 54A-5-72

Community Details

Overview

  • South Hill Banks Subdivision

Amenities

  • Common Area

Recreation

  • Boat Dock
  • Community Boat Facilities
  • Beach
  • Park

Home Details

Home Type

Single Family

Est. Annual Taxes

$1,137

Year Built

Built in 1968

Lot Details

0

HOA Fees

$10 per month

Listing Details

  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Year Built: 1968
  • Property Attached Yn: No
  • Lot Size Acres: 0.2646
  • Water Body Name: Rappahannock
  • Ownership: Individuals
  • Subdivision Name: South Hill Banks
  • Above Grade Finished Sq Ft: 1400.0
  • Architectural Style: Ranch
  • Garage Yn: No
  • Unit Levels: One
  • New Construction: No
  • Building Stories: 1
  • Year Built Details: Actual
  • Property Sub Type Additional: Single Family Residence
  • Special Features: None
  • Stories: 1

Interior Features

  • Flooring: Carpet, Laminate, Wood
  • Basement: Crawl Space
  • Appliances: Washer/Dryer Stacked, Dishwasher, Electric Cooking, Electric Water Heater, Microwave, Refrigerator, Smooth Cooktop
  • Basement YN: No
  • Full Bathrooms: 2
  • Total Bedrooms: 3
  • Door Features: Insulated Doors
  • Interior Amenities: Bedroom on Main Level, Ceiling Fan(s), Dining Area, Laminate Counters
  • Living Area: 1400.0
  • Stories: 1
  • Window Features: Thermal Windows

Exterior Features

  • Roof: Shingle
  • Fencing: None
  • Pool Features: None
  • View: Water
  • View: Yes
  • Waterfront Features: Beach Access, Water Access
  • Waterfront: No
  • Disclosures: Familial Relation
  • Construction Type: Block, Drywall, Frame, Vinyl Siding
  • Exterior Features: Deck, Out Building(s), Storage, Shed, Unpaved Driveway
  • Other Structures: Outbuilding
  • Patio And Porch Features: Side Porch, Deck
  • Property Condition: Resale

Garage/Parking

  • Parking Features: Driveway, Unpaved

Utilities

  • Heating: Heat Pump, Propane
  • Cooling: Central Air
  • Sewer: Septic Tank
  • Water Source: Community/Coop, Shared Well
  • Laundry Features: Washer Hookup, Dryer Hookup, Stacked
  • Cooling Y N: Yes
  • Heating Yn: Yes

Condo/Co-op/Association

  • Community Features: Beach, Boat Facilities, Common Grounds/Area, Dock, Home Owners Association, Park
  • Association Fee: 125.0
  • Association Fee Frequency: Annually
  • Association: Yes

Fee Information

  • Association Fee Includes: Common Areas, Road Maintenance, Water Access

Schools

  • Middle Or Junior School: Essex

Lot Info

  • Parcel Number: 54A-5-72
  • Zoning Description: SFD

Tax Info

  • Tax Year: 2024
  • Tax Annual Amount: 1137.26
  • Tax Lot: 72

MLS Schools

  • Elementary School: Essex
  • High School: Essex

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





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
2024 $1,137 $155,788 $40,000 $115,788
2023 $1,137 $155,788 $40,000 $115,788
2022 $1,137 $155,788 $40,000 $115,788
2021 $1,153 $155,788 $40,000 $115,788
2020 $918 $106,800 $40,000 $66,800
2019 $940 $112,600 $40,000 $72,600
2018 $940 $112,600 $40,000 $72,600
2017 -- $0 $0 $0
2016 $991 $112,600 $0 $0
2015 -- $0 $0 $0
2014 -- $0 $0 $0
2013 -- $0 $0 $0
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
06/26/2025 06/26/25 For Sale $448,000 -- $320 / Sq Ft
Source: Chesapeake Bay & Rivers Association of REALTORS®

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Source: Chesapeake Bay & Rivers Association of REALTORS®

MLS Number: 2517780

Chesapeake Bay & Rivers Association of REALTORS®

APN: 54A-5-72