NOT LISTED FOR SALE

448 Mcswain Rd White Stone, VA 22578

Estimated Value: $860,000 - $963,000

4 Beds
4 Baths
3,187 Sq Ft
$287/Sq Ft Est. Value

Sale Details

Date Sold: March 16, 2026

Last sale price $915,000 $287 Per Sq Ft

Current estimated payment $5,630 / mo

60 Days on Market

Highlights

  • Community Boat Dock
  • Boat Lift
  • Property is near a marina
  • Boat Ramp
  • Property Fronts a Bay or Harbor
  • Tennis Courts

About This Home

As of March 2026

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!

Last Agent to Sell the Property

David Dew

Isabell K. Horsley R. E., Ltd. License #0225069398 Listed on: 10/02/2025

Co-Listed By

Katie and David Dew

Isabell K. Horsley R. E., Ltd. License #0225078297

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $3,693

Year Built

  • Built in 1986

Lot Details

  • 1.7 Acre Lot
  • Home fronts a creek
  • Property Fronts a Bay or Harbor
  • Landscaped
  • Level Lot
  • Cleared Lot

HOA Fees

  • $400 Monthly HOA Fees

Parking

  • 2 Car Detached Garage
  • Parking Storage or Cabinetry

Home Design

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

Interior Spaces

  • 3,187 Sq Ft Home
  • 2-Story Property
  • Vaulted Ceiling
  • Ceiling Fan
  • Skylights
  • 3 Fireplaces
  • Wood Burning Fireplace
  • Window Screens
  • Mud Room
  • Dining Area
  • Screened Porch
  • Water Views
  • Crawl Space

Kitchen

  • Eat-In Kitchen
  • Built-In Oven
  • Electric Cooktop
  • Dishwasher
  • Kitchen Island
  • Laminate Countertops

Flooring

  • Wood
  • Carpet
  • Vinyl

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Primary Bedroom on Main

Laundry

  • Dryer
  • Washer

Outdoor Features

  • Gunite Pool
  • Property is near a marina
  • Mooring
  • Boat Lift
  • Boat Ramp
  • Docks
  • Dock Available
  • Tennis Courts
  • Deck

Schools

  • Lancaster Elementary And Middle School
  • Lancaster High School

Utilities

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

Listing and Financial Details

  • Tax Lot 1.7 ACRES
  • Assessor Parcel Number Tax Map # 29-55E, LR 15/1229 WF 18/111

Community Details

Overview

  • Blue Water Point Subdivision

Amenities

  • Common Area

Recreation

  • Community Boat Dock
  • Tennis Courts
  • Community Pool

Home Details

Home Type

Single Family

Est. Annual Taxes

$3,693

Year Built

Built in 1986

Lot Details

1.7 Acres

HOA Fees

$400 per month

Parking

2

Listing Details

  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Year Built: 1986
  • Property Attached Yn: No
  • Lot Size Acres: 1.7
  • Water Body Name: Indian Creek
  • Co List Office Mls Id: IHRE01
  • Co List Office Phone: (804) 758-2430
  • Ownership: Individuals
  • Subdivision Name: Blue Water Point
  • Above Grade Finished Sq Ft: 3187.0
  • Architectural Style: Contemporary
  • Garage Yn: Yes
  • Unit Levels: Two
  • New Construction: No
  • Building Stories: 2
  • Year Built Details: Actual
  • Property Sub Type Additional: Single Family Residence
  • Special Features: None
  • Stories: 2

Interior Features

  • Flooring: Carpet, Vinyl, Wood
  • Basement: Crawl Space
  • Appliances: Built-In Oven, Dryer, Dishwasher, Electric Cooking, Electric Water Heater, Range, Refrigerator, Washer
  • Other Equipment: Generator
  • Basement YN: No
  • Full Bathrooms: 2
  • Half Bathrooms: 2
  • Total Bedrooms: 4
  • Fireplace Features: Wood Burning
  • Fireplaces: 3
  • Fireplace: Yes
  • Interior Amenities: Ceiling Fan(s), Dining Area, Eat-in Kitchen, Fireplace, Kitchen Island, Laminate Counters, Main Level Primary, Pantry, Skylights
  • Living Area: 3187.0
  • Stories: 2
  • Window Features: Screens, Skylight(s)

Exterior Features

  • Roof: Composition
  • Fencing: None
  • Lot Features: Cleared, Landscaped, Waterfront, Level
  • Pool Features: Gunite, Pool, Community
  • View: Water
  • View: Yes
  • Waterfront Features: Bayfront, Creek, Dock Access, Mooring, Boat Ramp/Lift Access, Waterfront
  • Waterfront: Yes
  • Disclosures: Disclosure on File, Deed Restriction
  • Construction Type: Drywall, Frame, Vinyl Siding
  • Exterior Features: Boat Lift, Deck, Dock, Porch, Tennis Court(s)
  • Patio And Porch Features: Screened, Deck, Porch
  • Property Condition: Resale

Garage/Parking

  • Attached Garage: No
  • Garage Spaces: 2.0
  • Parking Features: Detached, Garage, Other, Storage

Utilities

  • Heating: Electric, Heat Pump, Zoned
  • Cooling: Heat Pump, Zoned
  • Sewer: Septic Tank
  • Water Heater: Electric
  • Water Source: Community/Coop, Shared Well
  • Laundry Features: Dryer Hookup
  • Cooling Y N: Yes
  • Heating Yn: Yes

Condo/Co-op/Association

  • Community Features: Common Grounds/Area, Dock, Marina, Pool, Tennis Court(s)
  • Association Fee: 1200.0
  • Association Fee Frequency: Quarterly
  • Association: Yes

Fee Information

  • Association Fee Includes: Common Areas, Pool(s), Road Maintenance, Water

Schools

  • Middle Or Junior School: Lancaster

Lot Info

  • Topography: Level
  • Parcel Number: Tax Map # 29-55E, LR 15/1229 WF 18/111

Tax Info

  • Tax Year: 2025
  • Tax Annual Amount: 3693.39
  • Tax Lot: 1.7 ACRES

MLS Schools

  • Elementary School: Lancaster
  • High School: Lancaster

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 2, 2025
Closed on
Mar 20, 2026
Sold by
Bought by
Seller's Agent
David Dew
Isabell K. Horsley R. E., Ltd.
List Price
$1,280,000
Sold Price
$915,000
Premium/Discount to List
-$365,000
-28.52%
Views
192
Current Estimated Value
$915,222

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$222
Avg. Annual Appreciation
0.09%
Original Mortgage
$705,000
Outstanding Balance
$704,348
Interest Rate
6.38%
Mortgage Type
New Conventional
Estimated Equity
$210,874

Purchase Details

Listed on
Oct 2, 2025
Closed on
Feb 19, 2026
Sold by
Bought by
Seller's Agent
David Dew
Isabell K. Horsley R. E., Ltd.
List Price
$1,280,000
Sold Price
$915,000
Premium/Discount to List
-$365,000
-28.52%
Views
192

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$705,000
Outstanding Balance
$704,348
Interest Rate
6.38%
Mortgage Type
New Conventional
Estimated Equity
$210,874
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
-- Fidelity National Title
$915,000 Lawyers 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 $705,000
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
03/16/2026 03/16/26 Sold $915,000 -6.6% $287 / 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: Central Virginia Regional MLS

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 $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

Agents Affiliated with this Home

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Map

Source: Central Virginia Regional MLS

MLS Number: 2527858

Central Virginia Regional MLS

APN: 29-55E

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