$980,000
PENDING $300K PRICE DROP

448 Mcswain Rd White Stone, VA 22578

Estimated payment $5,771/month

Total Views 16,158
4 Beds
4 Baths
3,187 Sq Ft
$307 Price per Sq Ft

Highlights

  • Docks
  • Boat Lift
  • Outdoor Pool
  • Boat Ramp
  • River Front
  • Deck

About This Home

This property combines an unbeatable Chesapeake Bay location with all the amenities you need for relaxed waterfront living. Situated in a small community of only 8 homes, you’ll enjoy sweeping Bay views, a protected marina with your own slip, & outstanding shared amenities including a completely renovated pool plus tennis & pickleball courts. Just minutes from the shops & restaurants of Kilmarnock, White Stone, & Irvington, with convenient access to Williamsburg & Richmond in just over an hour. From boating & fishing to golf at nearby Indian Creek Yacht & Country Club (on the same creek), this is a lifestyle property. Designed for comfort & views. Outdoor living shines here with a waterside screened porch & spacious deck to take in the breezes. The Living Room features vaulted ceilings, a wood-burning fireplace, & built-in bookshelves, with an open Dining Area that flows to the waterside deck. The Kitchen opens to the Family Room, which offers a cozy wood-burning stove, built-ins, & access to the deck. The 1st-floor Primary Suite opens directly to the waterfront deck & has a private bath. A mudroom with a 1/2 BA & an additional 1/2 BA provides convenience on the main level. Upstairs, you’ll find 3 guest bedrooms & a full bathroom, perfect for family & friends. A detached garage with finished game room above (heated & cooled with window units, plus sink) adds even more flexible space(674 SF). Whether you’re looking for a full-time residence or a second home getaway, this property offers it all—views, boating, community amenities, & a perfect Northern Neck Location!

Listing Agent

David Dew

IsaBell K. Horsley Real Estate License #0225069398 Listed on: 10/02/2025

Co-Listing Agent

Katie Dew

IsaBell K. Horsley Real Estate License #0225078297

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $3,564

Year Built

  • Built in 1986

Lot Details

  • 1.7 Acre Lot
  • River Front
  • Zoning described as R1

HOA Fees

  • $400 Monthly HOA Fees

Parking

  • 2 Car Detached Garage
  • Workshop in Garage

Home Design

  • Fire Rated Drywall
  • Frame Construction
  • Composition Roof
  • Vinyl Siding

Interior Spaces

  • 3,187 Sq Ft Home
  • 1-Story Property
  • Built-In Features
  • Bookcases
  • Vaulted Ceiling
  • Ceiling Fan
  • Wood Burning Fireplace
  • Window Screens
  • Mud Room
  • Formal Dining Room
  • Water Views
  • Crawl Space

Kitchen

  • Built-In Oven
  • Range
  • Dishwasher
  • Kitchen Island
  • Laminate Countertops

Flooring

  • Wood
  • Carpet
  • Tile
  • Vinyl

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Walk-In Closet

Laundry

  • Dryer
  • Washer

Outdoor Features

  • Outdoor Pool
  • River Access
  • Boat Lift
  • Boat Ramp
  • Docks
  • Deck
  • Screened Patio
  • Front Porch

Schools

  • Lancaster Elementary And Middle School
  • Lancaster High School

Utilities

  • Cooling Available
  • Heat Pump System
  • Power Generator
  • Well
  • Electric Water Heater
  • Septic Tank

Listing and Financial Details

  • Tax Lot 1

Community Details

Overview

  • Association fees include pool(s)
  • Mcswain Subdivision

Recreation

  • Community Bulkhead
  • Tennis Courts
  • Community Pool

Home Details

Home Type

Single Family

Est. Annual Taxes

$3,564

Year Built

Built in 1986

Lot Details

0

HOA Fees

$400 per month

Parking

2

Listing Details

  • Property Sub Type: Single Family Residence
  • Property Type: Residential
  • Community Features: Pool, Tennis Court(s), Bulkhead
  • Lot Features: Waterfront
  • Lot Size Acres: 1.7
  • View: Water
  • Has View?: Yes
  • Water Body Name: Indian Creek
  • Association Fees: 1200.0
  • Association Fee Frequency: Quarterly
  • Association Fee Inclusions: Pool(s)
  • Has H O A?: Yes
  • Co List Office Mls Id: cbra.446
  • Co List Office Phone: (804) 435-2644
  • Co List Office Mls Id: cbra.446
  • Ownership: Individuals
  • Subdivision Name: Mcswain
  • Above Grade Finished Sq Ft: 3187.0
  • Architectural Style: Two Story
  • Basement: Crawl Space
  • Has Basement?: No
  • Has Cooling?: Yes
  • Has Fireplace?: Yes
  • Living Area: 3187.0
  • Is New Construction?: No
  • Property Attached Yn: No
  • Year Built Details: Actual
  • Year Built: 1986
  • Property Sub Type Additional: Single Family Residence
  • Water Heater: Electric
  • RecordSignature: -2115298528
  • Special Features: None
  • Year Built: 1986

Interior Features

  • Appliances: Built-In Oven, Dryer, Dishwasher, Electric Water Heater, Range, Refrigerator, Washer
  • Other Equipment: Generator
  • Full Bathrooms: 2
  • Half Bathrooms: 2
  • Total Bedrooms: 4
  • Fireplace Features: Wood Burning
  • Flooring: Carpet, Tile, Vinyl, Wood
  • Interior Amenities: Bookcases, Built-in Features, Bedroom on Main Level, Ceiling Fan(s), Separate/Formal Dining Room, Fireplace, Kitchen Island, Laminate Counters, Main Level Primary, Pantry, Walk-In Closet(s)
  • Total Bedrooms: 6
  • Stories: 1
  • Window Features: Screens

Exterior Features

  • Pool Features: Pool, Community
  • Waterfront Features: River Front, River Access, Water Access, Boat Ramp/Lift Access, Waterfront
  • Waterfront?: Yes
  • Disclosures: Disclosure on File
  • Construction Type: Drywall, Frame, Vinyl Siding
  • Exterior Features: Boat Lift, Deck, Dock, Porch
  • Patio And Porch Features: Front Porch, Screened, Deck, Porch
  • Property Condition: Resale
  • Roof: Composition

Garage/Parking

  • Has Attached Garage?: No
  • Garaged Spaces: 2.0
  • Has Attached Garage?: Yes
  • Parking Features: Detached, Garage, Workshop in Garage

Utilities

  • Laundry Features: Washer Hookup, Dryer Hookup
  • Cooling: Electric
  • Heating: Electric, Heat Pump
  • Heating Yn: Yes
  • Sewer: Septic Tank
  • Water Source: Well

Schools

  • Elementary School: Lancaster
  • High School: Lancaster
  • Middle Or Junior School: Lancaster

Lot Info

  • Zoning Description: R1

Tax Info

  • Tax Annual Amount: 3564.0
  • Tax Lot: 1
  • Tax Year: 2024

Map

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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 $3,564 $648,000 $239,000 $409,000
2024 $3,564 $648,000 $239,000 $409,000
2023 $2,860 $453,900 $194,000 $259,900
2022 $2,860 $453,900 $194,000 $259,900
2021 $2,860 $453,900 $194,000 $259,900
2020 $2,860 $453,900 $194,000 $259,900
2019 $2,860 $453,900 $194,000 $259,900
2018 $2,641 $447,600 $199,800 $247,800
2017 $2,641 $447,600 $199,800 $247,800
2016 -- $447,600 $199,800 $247,800
2014 -- $0 $0 $0
2013 -- $0 $0 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
12/01/2025 12/01/25 Pending -- -- --
11/22/2025 11/22/25 Price Changed $980,000 -23.4% $307 / Sq Ft
10/02/2025 10/02/25 For Sale $1,280,000 -- $402 / Sq Ft
Source: Chesapeake Bay & Rivers Association of REALTORS®

Source: Chesapeake Bay & Rivers Association of REALTORS®

MLS Number: 2524811

APN: 29-55E