$915,000
SOLD MAR 16, 2026

448 Mcswain Rd White Stone, VA 22578

4 Beds
4 Baths
3,187 Sq Ft
1.7 Acres Lot

Sale Details

Date Sold: March 16, 2026

$287 Per Sq Ft

29% Below List Price

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

Date Name Owned For Owner Type

Purchase Details

Listed on
Oct 2, 2025
Closed on
Mar 20, 2026
Sold by
Parker Joyce
Bought by
Joyce P Parker Trust and Parker
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.
Avg. Annual Appreciation
299.58%
Original Mortgage
$705,000
Outstanding Balance
$704,348
Interest Rate
6.38%
Mortgage Type
New Conventional
Estimated Equity
$376,123

Purchase Details

Listed on
Oct 2, 2025
Closed on
Feb 19, 2026
Sold by
Gatchell Mary and Trust Agreement Made By M Tyler Gatchell
Bought by
Parker Joyce
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
$376,123
Source: Public Records
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Purchase History

Date Type Sale Price Title Company
Gift Deed -- Fidelity National Title
Bargain Sale Deed $915,000 Lawyers Title
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $705,000 New Conventional
Source: Public Records

Property History

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

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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