Real Estate Pointer - Feb2009

Real EstatePointer

PRICELESS

In This Issue:Take That Low-Interest-Rate Holiday ■

Multiple Listings ■Area Map ■

More! ■

Little Wicomico River Waterfront HomeOff ered by Sandra Hargett,Coldwell Banker—Chesapeake Bay PropertiesFor more information, see page 29

Serving Virginia’s Northern Neck and Middle Peninsula ■ February 2009

www.realestatepointer.com ■ Online, 24 hours a Day ■ Live Web & Email Links

2 T h e R e a l E s t a t e Po i n t e r

Middle Bay Realty Middle Bay RealtyMiddle Bay ReMiddle Bay ReMiddle Bay R altyealtyeMiddle Bay RealtySteve JoneS – Agent Joe emerSon – Agent

Cell: 804-761-7318 • Home 804-580-2433 SJones@middlebayrealty.com www.searchbayproperty.com

Cell 410-610-9890 • Home 804-580-2053RivahRunners@RivahRunners.com

www.NorthernNeckRealEstateTreasures.com

Stately Waterfront Home with Endless Views of the BayThis beautiful, well-maintained elegant brick 3 BR, 4 BA transitional home offers a formal DR, 2 bonus rooms, central vacuum, 2 car garage, Artesian well, and a built-in generator. The Property is situated on 1.4± acres with a rip-rapped shoreline & perfect elevation on the mouth of the Great Wicomico. The property also offers an add’l .2± acre waterfront lot with pier. Enjoy the breath-taking waterfront views along with the bay breezes from your patio & gazebo. $1,295,000. MLS#20233

Potomac River WaterfrontBright, open like-new 3 BR, 2 BA home offers first floor living with an art studio upstairs, great waterfront views from every room, hardwood

and tile floors, attached 2-car garage, DR, kitchen bar, fireplaces, screened porch, deck, hot tub, 135 feet of water frontage, pier with boatlift and community beach and boat ramp. $849,900. MLS#79957.

Betz Landing – WaterfrontNew waterfront home priced under appraisal! 3 BR, 2 BA on 4.23 ± secluded acres. Fantastic upgrades include stainless kitchen appliances. 1,860 sq. ft. finished downstairs.1,200 sq. ft. upstairs, unfinished. 2-3 ft. MLW with pier. Make an offer! $439,000. #80452.

Great Wicomico River Waterfront

Beautiful views! 3 BR, 3 BA, heated pool, screened porch, attached garage, pier with boatlft. $549,500. MLS#80651

Heritage Point ~ Waterfront

Plenty of room for entertaining. Huge kitchen and master suite. Lots of decking with pretty views to waterfront. Pier with boat house and boatlift. Great Community Amenities. $589,000. MLS#80158

www.NorthernNeckRealEstateTreasures.comwww.SearchBayProperty.com

Prentice PointTwo story contemporary home with 3,067 SF on 2.01 acre parcel, 4 bedrooms, 2 full baths, 2 half baths, 2 car attached garage, main floor has vaulted ceilings, 1st floor master suite with water views. Private pier with 5 feet plus MLW. Large 45’ x 36’ deck and pool with water view. $979,500.000, MLS #80994

Indian CreekEverything you need or want in your home at Clifton Landing on Indian Creek, minutes away from the Chesapeake Bay, 4,700+ SF, 1.63 acres, master suite and one add’l bedroom are located on the 1st floor, many extras, including special lighting fixtures, 2 car attached insulated garage, media/theater room with 12 ft screen, overhead projector and surround sound. $1,195,000 MLS #80970

Bay Front Beach HouseCharming 3 bedroom, 3 bath home offers open floor plan for entertaining with 1.29 acres to relax on Taskmakers Creek or the Chesapeake Bay. Detached 2 car garage with finished bedroom apartment on the second level. This property is on a beautiful point lot. $699,000 MLS 81133

Fantastic views of Chesapeake Bay. 2 bedroom/2 bath home with 1,758 SF, with 315± feet of waterfrontage, perfectly maintained home and yard. $599,000 MLS #81390.

Fleeton Beach

Quinton Oaks

3 BR, 2 BA Home on golf course,loaded with extras.

$399,000. MLS#81460

Bonum’s Creek

3.8318 acre parcel with beautiful views of the Potomac River. 825 feet of

Waterfrontage, 5ft± MLW. $599,000 #80732

Reduced

521 Church Lane (P.O.Box 2576) Tappahannock, VA 22560 • Tel: 804-443-0067 • Fax: 804-443-5265

Jeff Brooks, Realtor804-445-1395 • JeffBrooks@HometownRealtyServices.comShirley Brooks, Realtor804-445-5893 • ShirleyB@HometownRealtyServices.comJennifer Ward Garrett, Realtor804-370-4784 • JenniferGarrett@HometownRealtyServices.comPat Gatewood, Realtor804-339-5721 • PatG@HometownRealtyServices.com

Andy Lankford, Realtor804-306-9838 • ASLankford@gmail.com

Patti Minor, Realtor804-445-5465 • PattiM@HometownRealtyServices.com

Barbara Thomas, Realtor804-445-5461• BarbaraT@HometownRealtyServices.com

Bonnie Chenault, Associate Broker—804-443-0067 • 804-690-0903 • BonnieC@HometownRealtyServices.com

• New Construction in Center Cross, VA• 1.859 Acre River Access Lot• 1830 Sq. Ft. Vinyl Sided Home w/ Deck• 3 BR, 2 BA—1 Jetted Tub• Gas Logs in Family Room• Dining Room/Kitchen w/ Breakfast Room• Bonus Room over 2-Car Garage• Some Hardwood Floors• $299,000

South Hill Banks Rd Barbara Thomas 804-445-5461• Rappahannock Riverfront• Charming Cape• Handicap-equipped Mother-in-Law

Cottage • 4 BR, 3 baths • Fantastic Views• Sand Beach • Convenient• $710,000

Water Ln - Tappahannock Jeff Brooks 804-445-1395• Upper Mattaponi Riverfront• 9+ acres• 2300 sq. ft. rancher , 2 car garage• 3 bedrooms + bonus room• Hardwood floors, walk in closets• Family room with fireplace, dining room• $340000

Frenchtown Rd - King William Jeff Brooks 804-445-1395

• Beautiful waterfront property 4 miles north of Tappahannock • Maintenance-free contemporary on 1.3 acres • 3 BR, 2 1/2 BA, 2-car garage

• Lovely landscaped yard w/perennial gardens, walkways, tranquil water garden w/coi pond

• Wide waterview from sunroom, screened porch, and deck • Large deck @ water’s edge for enjoying the RIVAH! • Whole house generator

• $649,900334 Wilson Acres RoadPat Gatewood 804-339-5721

• Custom-built Colonial • 3,258 Sq. Ft.• 3.049 Acres, Partially Wooded• 4 BR,2.5 BA w/ Tile, Hrdwd. Flrs.• Formal Dining Rm. w/ Tray Ceiling• Library w/ built-in bookshelves • Wet Bar• Family Rm. w/ Cathedral Ceiling • Brkfst. Rm.• Fully equipped Kitchen • Screen Porch• Walk-up Storage Rm. • Paved Drive • Shed• $436,500

Patti Minor 804-445-5465• On the Rappahannock River• 15 Minutes to Tappahannock • 3BR, 2 BA Cape Cod• Screened Porch• Pier with Boat and Jet-Ski Lifts• Recently Remodeled Pier and Bulkhead• Home Recently Remodeled• Great View, Sand Beach • $549,000

Tuscarora Beach - Essex Co.Jeff Brooks 804-445-1395• 3 BR, 2 1/2 BA, Charming Cape Cod w/

Gracious Formal Rooms• Custom Kitchen & Family Room, • Fireplaces in Living Room & Family Room• Landscaped w/ Picket Fence, Brick

Walkways to Accent Various Gardens• Deeded Water Access to Rappahannock

River w/Pier, Boat Ramp, Sand Beach• $268,000, Owner offers $3K in closing costs

491 Maryfox Rd - Gwynnfield Pat Gatewood 804-339-5721• 3 BR-1 BA cape cod on 0.79 acre• Located only 1.5 miles from Lodge

Landing public boat ramp• Renovated kitchen and dining/sun room• New HVAC throughout, with wood stove

and monitor heat systems• Public water & sewer• High-speed internet • $118,500

488 Harry Hogan Rd - Callao Pat Gatewood 804-339-5721• 30.54 Acres-19 Wooded/11 Open• Immaculate Custom Cedar Contemporary• 3/4 Bedrooms • Florida Rm • HW Flrs.• Solarium • Cathedral Ceilings • Skylites• Detached Studio w/ Loft • Artesian Well • Detached 2-Car Garage • Pole Barn• Suitable for horses• Cox’s Mill Stream thru rear of property• $499,000

King & Queen County Patti Minor 804-445-5465

•1,806 Sq. Ft. Charming Colonial• In Town, wooded Lot • Access 13 Ac. Lake• Formal Rooms w/ hardwood flrs. &

fireplace • Downstairs Master Suite• Family Room w/ access to rear deck• Big eat-in Kitchen w/ utility & pantry• 2 BR Up w/ Bonus • Matching Shed &

Paved Drive • Owner is highly motivated• $259,900.

Patti Minor 804-445-5465• Rappahannock River Waterfront• 3 BR (1 Downstairs), 2 BA• Great Room w/ Lots of Windows • Recessed Lights • All Appliances • Skylight • Heat Pump • Deck • 100’ Pier • Boat Lift • Jet Ski Lift • Wide River Views• Sand Beach • Bulkhead • Minutes to Town • Recently Reduced to $599,000

Patti Minor 804-445-5465• 3144 Sq Ft Colonial Home, 3 BR, 2 BA• Commercial Possibilities • Commanding view atop a treed lot • Storage Building, 18’x24’ Garage, Carport,

and Tool Shed• Large Deck on Rear for Entertaining • Large Family Room, Dining Room, and

Living Room• $325,000

Barbara Thomas 804-445-5461

Minutes to Tappahannock

Old Creek Lake/Tappahannock

Waterfront in Tappahannock

107 Water Lane - Tappahannock

Motivated Seller

Reduced

Homebuyer’s Seminar hosted by Hometown Realty—February 23, 2009 at 6:00 pm521 Church Lane, Tappahannock, Virginia—Refreshments Provided • Open to the Public—Free to Attend

Reduced

Priced to Sell

Reduced

4 T h e R e a l E s t a t e Po i n t e r4 T h e R e a l E s t a t e Po i n t e r

ADVERTISERS

Real Estate CompaniesAnn Meekins—Donna Erwin .............................................. p. 35Ann Meekins Realtors .....................................................p. 36-43Bay & River Realty ................................................................p. 17Bay River Realty—George English .....................................p. 26Century 21 Battlefield ............................................................. p. 7Coldwell Banker ....................................................................p. 28Coldwell Banker—Beth Altaffer .........................................p. 30Coldwell Banker—Sandra Hargett ................................p. 29, 31Coldwell Banker—Becky Haynie ........................................p. 30Coldwell Banker—Joe Hunt ................................................ p. 32Coldwell Banker—Pat Meeker ............................................p. 30Coldwell Banker—Holly Rittenhouse .................................. p. 32Coldwell Banker—David Stinson .........................................p. 31GC Dawson—Geneva Dawson ...............................................p. 6Grace Hill ...............................................................................p. 44Hometown Realty .................................................................. p. 3Hutt Realty .............................................................................p. 17Isabell K. Horsley ....................................................................p. 9L. A. Fletcher Real Estate ....................................................p. 34Lawler Real Estate .......................................................... p. 18-22Long & Foster—Denise Deihl ................................................ p. 11Long & Foster—Terrie Dort ................................................. p. 11Long & Foster—Skipper Garrett ......................................... p. 10Long & Foster—Beverly Shultz ............................................ p. 5Long & Foster—Betcie Thrift ............................................... p. 11Mason Realty—Urbanna ...................................................... p. 27Middle Bay Realty—Joe Emerson ....................................p. 2, 13Middle Bay Realty—Steve Jones ..................................... p. 2, 14Rivah Realty ........................................................................... p. 23Shore Realty ...........................................................................p. 47Team 4 U. .................................................................................p. 9Van Land Realty ................................................................... p. 16Virginia Waterfront ..............................................................p. 24

Builders & New ConstructionChesapeake Homes .................................................................p. 6Eagle River Construction .....................................................p. 48Grace Hill ...............................................................................p. 44Virginia Building Solutions ...................................................p. 33

Financial, Insurance, & Home ServicesBarefoot Appraisals ...............................................................p. 15 EVB ..........................................................................................p. 8

JLB Publishing Inc. and the Real Estate Pointer uphold Virginia’s and HUD’s equal opportunity housing policies. We do not accept advertising that violates the fair housing law and to the best of our knowledge all of the listings in this publication are available on an equal

opportunity basis.

FOR ADVERTISING INFORMATIONJames Blanks at 804-929-1797

Blake Williams at 804-761-7343

A publication of JLB Publishing, Inc. P.O. Box 2564, Tappahannock, Va 22560

Offi ce: 804-443-0330 • Fax: 1-888-251-9264realestatepointer@gmail.com • www.realestatepointer.com

14 Take that Low-Interest-Rate Holiday

25 Area Map

46 Ten Things to Know about Virginia Real Estate Markets

Cover photo by Coldwell Banker—Chesapeake Bay Properties

™™

Real EstatePointer

Fe b r u a r y 2 0 0 9 5

Beverly Shultz

beverly@beverlyshultz.com • www.beverlyshultz.com

Great Wicomico River

Beautiful lot with expansive views, sand beach, and privacy. 14 acres of oyster grounds

convey. Huge reduction— now $325,000.

Hull Creek Access

Home shows like new! Open floor plan, 3 bedrooms, 2 baths, kitchen bar, sunroom and two car attached garage—$174,500.

Corrotoman River

Punches Cove—Eagles Landing. Private setting, beautiful landscaping, open-floor

plan, screened porch, 3BR/3BA. Dock with 5’± MLW, boatlift—$899,000.

Chesapeake Bay

Lovely 3 bedroom 2 bath home w/open floor plan, fireplace, cathedral ceilings, and 2

car attached garage—$299,000

Indian Creek

Location. Location, Location! 9+ acres on protected cove of Indian Creek.

3 lots being sold as 1—$799,000.

Beverly Shultz, Associate Broker • Cell: 804-436-4000 387 Chespeake Drive (p.O. Box 1090), White Stne, VA 22578

Beverly ShultzBeverly ShultzBeverly ShultzBeverly ShultzBeverly ShultzBeverly ShultzDoe Run FarmBeverly Shultz5 BR home, 4 BA, exposed beams,

solid core 6-panel doors. Guest

house, 3-car garage with workshop,

36x60 Lester barn, fenced and cross fenced. Offered

w/ 14.97 acres for $600,000.

Additional acreage

available.

Beverly ShultzBeverly ShultzBeverly ShultzBeverly ShultzBeverly ShultzBeverly ShultzBeverly ShultzYour Own MarinaBeverly ShultzOpen Floor Plan on the Great Wicomico River—3 bedroom/3

baths: his & her kitchens, inground

pool, screened porch, generator, cathedral ceilings, hardwood

floors. Oyster House with 6’ MLW, 22’ x 40’ Boat House, 3 other

slips, 1 with boat lift, for $1,300,000.

Dividing Creek

Beautiful cleared lot with pier to 5’ MLW and room enough for a 50’ boat.

Convenient to Kilmarnock and quick access to Bay. New price—$399,000.

G. C. Dawson Real estate the wateRfRont InfoRmatIon CenteR

hIlls CReek lanCasteR County

Prime waterfront parcel with 9.63± acres located on the Corrotoman River with views out to the Rappahannock River! This gorgeous point includes 570’ of waterfront and offers complete serenity and deep harbor for your boat. Great place for an estate or horses!

$1,020,000

lanCasteR County CoRRotoman RIveR

Enjoy magnificent sunrises on your beach or from your waterfront home. Coastal living with main level featuring

cathedral ceiling living room with fireplace, kitchen, dining area, master suite, utility room, half bath, and

sunroom. Guest or family level offers 2 bedrooms, 1 bath, family room with fireplace, 2 unfinished rooms for office or exercise, and storage room. Patio and detached 2-car garage. Located on 1.0± acres on the Corrotoman River

with panoramic views of the Rappahannock River!

a must to see!$739,500

804-435-3166 • 1-800-631-5165 P O Box 339, Kilmarnock, VA 22482

www.gcdawsonrealestate.com

for these and other fine listings, please contact: Geneva Dawson, mobile: 804-436-6453, reales8@verizon.net

DeltavIlleAttractive Waterfront Condo with spacious, airy rooms, offering high ceilings, beautiful Brazilian Cherry floors, carpet, gas fireplace, 2.5 Baths, 2 balconies, garage and carport. Pier, pool house, tennis. Estate Sale-Reduced! Owner/agent.

Fe b r u a r y 2 0 0 9 7

Your Own Very Private Peninsula. Views of Lower Machodoc Creek and Drum Bay. 3.1 Acres In 3 Separate, Adjoining Lots, 2 Cot-tages w Private Docks. Perfect Setting on the 3rd Lot. Available at $1,200,000 With A New 3,200 SqFt Cape Cod Built on The Third Lot. Call Herbert Reynolds or Charlene Mills

1677 Drum Bay Rd, Hague WE6907186—$900,000

Dahlgren(540) 663-2000

Westmoreland(804) 224-5600

Montross(804) 493-9330

King George(540) 775-5368

Tappahannock(804) 443-3310

Absolutely beautiful! Stone front, 4 bed-rooms, 4 and a half baths, Gourmet kitchen, granite countertops, stainless steel appli-ances, sunroom with cathedral ceiling, gas fireplace, tray ceiling, jetted tub, upgraded carpet, hardwood floors. Sold “as-is”. Call Herbert Reynolds or Charlene Mills

5901 Nellie Ln, King GeorgeKG6941401—$344,900

1+ acre corner lot, 2-car insulated garage has full bathroom, w/ shower, work shop area, cabinets and work bench. Classic cottage with front porch, hardwood floors,9’ ceiling, greenhouse w/ electric, fenced garden area & shed. Excellent condition with many updates. Great location! Contact Relda Schick, 804-761-1230, reldaschick@hotmail.com.

9080 St. Anthonys Rd, King George KG6938092—$149,000

Quality Built, All-Brick Ranch in Town. Hardwood Floors, Huge Family Room in Basement, Detached Shed, Beautilfully Landscaped. Call Herbert Reynolds or Charlene Mills

569 Faulconer Cir, Tappahannock ES6593977—$185,000

Just Reduced

New Construction Vinyl Ranch, 3 Bed-rooms, 2 Full Baths, Full Front Porch, Rear Deck, 18 Acres, Partially Wooded, Possi-bly Sub dividable, Possible Owner Financ-ing. Well Needs To Be Put In. Call Herbert Reynolds or Charlene Mills

0 Tidewater Trl, Center Cross ES6914678—$275,000

Custom Built Brick Ranch, Low Mainte-nance, 3 Bedrooms, 2 Baths. Field Stone Fireplace, Cathedral Ceilings, Ceramic Tile, 2-Car Garage, All Brick Sidewalk, Porch & Rear Deck, Rear Patio, Fenced Rear Yard, Shed, Paved Drive, and More. A Must See! Call Herbert Reynolds or Charlene Mills

164 Meadow Dr, Tappahannock ES6822222—$269,500

All brick ranch. 3 bedrooms, 3 baths, hard-wood floors, partially finished basement, patio, paved drive, front porch, 1-car at-tached garage. Easy commute to Dahl-green, Fredericksburg, & Richmond. Call Herbert Reynolds or Charlene Mills

16450 Tinder Dr, Woodford CV6931370—$210,000

Panoramic Views! 2.3 Private Acres on Lake Holly! 2644 Sq Ft of Spacious Lake Front Living. 12 x 24 Screen House with Built-In Grill For Entertaining! Private Dock! 3 BR, 2 BA, Large Family Room, Sunroom with Deck Overlooking Lake, Basement. Call Herbert Reynolds or Charlene Mills

197 Lake Ridge Rd, Heathsville NV6914203—$400,000

16.6 Acres! Ideal For Horses! 1934 Sq. Ft, Open Floor Plan, 3 Large Bedrooms, 2 Full Baths, Master Bath Has Jetted Soaking Tub, Dual Vanities. 2-Car Garage w/Auto Open-ers, Front Porch, Rear Deck. Very Private yet close to Rt 17. Many Items Convey. Call Herbert Reynolds or Charlene Mills

486 Taylor Drive, Hustle VaES6868190—$295,000

Beautiful colonial awaiting your arrival! Up to 3% in closing cost help and $1K in repairs. Open floor plan that includes hardwood floors, seperate dining area, library, office, upgraded appliances, double ovens, fireplace, sitting area, 2-car garage. Contact Tina Marshall 540-207-6803.

8956 Mullen, King GeorgeKG6945680—$296,500

Cute 3 bedroom home on 1.29 acre flat lot that needs your TLC. Hardwood floors throughout. Spacious bedrooms, covered front porch, and back deck.Year of house is estimated. Priced to sell. Call for your appointment today! For more information, contact Tina Marshall 540-207-6803.

439 Peckatone, Kinsale.WE6845914—$125,000

This 4BR, 3BA, offers above-ground pool, horse shoe pit, back deck & front porch, plus gas fp, hw floors, new Berber carpet, coun-try gourmet kitchen w/double ovens. M-BR w/ sitting area & window seat. F-Bath/double sinks. Community amenities galore. Contact Tina Marshall 540-207-6803.

65 Matilda Ln, MontrossWE6503922—$330,000

Relda Schick804-761-1230

Herbert Reynolds(804-241-5153) & Charlene Mills(804-337-0346)

Renovated waterview home in an outstand-ing, friendly, community. Water access & boat ramp available thru vol. comm. as-soc. Pool off the 400 sq ft deck. 15mi to NSWC Dahlgren and 6mi to the beaches & activities Lg. open backyard has 3 storage sheds. Owner/Agent. Contact Paul Lefeave 540-735-5066.

202 Barracks Beach Dr, Colonial BeachWE6876049—$269,900

Insulated doors & windows, wood deck, patio, fence & storage shed. Golf cart community—boat ramp access, parks, & beach. Owner will negotiate update of appliances. Renter occupied. Appraisal on file. Home Warranty! Contact Relda Schick, 804-761-1230, reldaschick@hotmail.com.

203 Third Street, Colonial BeachWE6700648—$125,000

Just Reduced

Five lots priced from 13-59K, Lakefront, wooded, privacy, close to Colonial Beach. Potomac River access via Mattox Creek. Community boat ramp, pier, picnic pavilion, meeting facility. Search www.RealtyWithRelda.com for instant information on all Westmoreland Co lots. Call Relda Schick at 804-761-1230, reldaschick@hotmail.com.

Marilyn Stumpf804-450-3045

Tina Marshall540-207-6803

Beautiful spacious home on a large, land-scaped corner lot in a water oriented com-munity. This house has a 19x12 screened porch with a hot tub that is so inviting. This is a must see! 1-year home warranty included. Contact Marilyn Stumpf

560 Albourgh Blvd, Colonial BeachWE6823529—$215,000

Paul Lefeave540-735-5066

Placid Bay Estate Lots: WE6302720, WE6755109, WE6875090, WE6814884, WE6839650

Real EstatePointer

Why Advertise in the Real Estate Pointer?

My company was one of the first advertisers in the Real Estate Pointer Magazine when it came to the Northern Neck area this summer. We are very pleased with the great magazine staff that assists us in creating our ads, the market exposure it is offering our

clients’ listings and the stylish real estate magazine product. I am happy to say that one of our recent sales originated from a buyer seeing our listings in the Pointer

and calling for an appointment to preview the property. We look forward to great things ahead for both the Magazine and our Real Estate Market.

— Sandra Hargett Broker/OwnerColdwell Banker Chesapeake Bay Properties

Offices in both White Stone and Burgess, Va.

clients’ listings and the stylish real estate magazine product. I am happy to say that one of our recent sales originated from a buyer seeing our listings in the Pointer

and calling for an appointment to preview the property. We look forward to great things ahead for both the Magazine and our Real Estate Market.

Fe b r u a r y 2 0 0 9 9

IsaBell K. Horsley Real Estate Ltd.

www.HorsleyRealEstate.comUrbanna • White Stone • Deltaville • Mathews • Lively

12 Ac of Privacy & 1800’ Shoreline, Beautiful Southern Living house plans, 4 BR (two on 1st fl.), 3 1/2 BA, plus guest suite over 2 car garage. Open fl. plan w/ wide Waterviews & great

porches. Gunite pool & pool house w/ a wet bar & BA. Pier w/ boatlift & 4-5’ MLW. Storage garages & great landscaping. Offered @ $1,395,000.

Call: Hunter Sledd @804.370.0500 or HunterSledd@gmail.com

just off the Piankatank RiveR

Wide Rappahannock River views w/ sand beach & 3’ MLW at pier w/ Boat Lift. 3 Bdrms, 2 Bths, w/ large Master bdrm on first floor. Hardwood Floors, tiled Bathrooms & kitchen

floors, Open Floor plan w/ fireplace in great room. Wonderful sun deck on waterside. Detached oversize Two car garage & attached garage w/ upstairs workshop. Priced at $825,000

Call: Nelson Horsley Jr. 804.435.0773 or nhorsley@crosslink.net

Locust HiLL Residence

DEEP WATER on Wilton Creek, just off the Piankatank River. One of the finest private neighborhoods on the Chesapeake Bay. 2 1/2 acres of mature woods nicely elevated.

Long, protected harbor, 256’ waterfront Rip-Rap shoreline. Fairly priced.Call: Nelson Horsley 804.435.0773 or nhorsley@crosslink.net

WiLton cReek Road PRoPeRty

On the protected harbor of Yopps Cove off Cater’s Creek, this home offers 6’ Plus MLW at pier! 245’ Waterfront, all Rip-Rap shoreline on 1 1/2 Acres w/ mature grounds. First floor Master

bedroom w/ Vaulted ceilings, 2 other bdrms, Living Room w/ Fireplace, formal dining room w/ fireplace & Hardwood Floors throughout. Great glass porch downstairs & open porch on top floor. Great Price $769,000 Call: David E. Dew 804.436.3106 or Davidedew@yahoo.com

yoPPs cove coLoniaL

Outstanding Rappahannock River views in Deltaville. Deeded Sand Beach & Boat Ramp w/ Day dock. Completely updated, brand new stainless steel appliances, granite

countertops. 3 Bdrms, 2 Bths, bright sunroom on almost an acre. Well priced @ $429,000.Call: Neena Rodgers 804.436.2326 or neenasrealestate@gmail.com

tHe RiveR Bank cottage

Totally renovated Brick home, 5 Minutes to Chesapeake Bay. 6’ MLW @ Pier, 2 Boat lifts, cleaning station, 150’ Waterfront Rip-Rap shoreline. 3 Bdrms, 3 Bths, Great Open Floor

plan! New Hardwood Floors, tiled Bths, granite counter tops in kitchen & Bths, Wood burning Fireplace. Much More to offer, to much to list! 3 Minutes to town of White Stone.

Call: David E. Dew 804.436.3106 or Davidedew@yahoo.com

tHe taBBs cReek Residence

1 0 T h e R e a l E s t a t e Po i n t e r

Northumberland County—Indian Creek

Loc. in small private gated enclave of paired residences with wide views of both Indian Creek and the Chesapeake Bay—the ultimate in waterftront elegance. Stunning Tidewater-designed home offers deep water dockage, pool and stylish clubhouse. Custom appointments throughout. The waterside brick patio and 2nd floor covered veranda have fabulous water views. $999,000.

Northumberland County—Coan River

Great year round or weekend home with outstanding views of the Coan River out to the Potomac. Sand beach, pier, boat and jet ski lifts plus fabulous Florida room and and adjoining deck with water views. 3 BA/2 full BA and 2 car garage on 1.32+/- acres. $595,000.

Lancaster County—River’s Landing

Wonderful opportunity to own a townhome in White Stone with community amenities of pool, tennis and sand beach. Enclosed glass porch w/heat & CAC overlooking pretty pond. 2 MBR each with private bath. LR/DR combo and all floors are hardwood or tile. $295,000.

Essex County—Tappahannock

Commercial property with great location perfect for office space. Built in 2004 with 1080 square feet of usable space, central HVAC, public water and sewer with two restrooms. 100+ feet of road frontage on paved road in town. $195,000.

Richmond County—Rappahanock River

Beautiful new colonial on 2.8 acres just completed! 4BR/3.5BA with brick exterior. Granite & Corian counters, upgraded appliances and hardwood & tile flooring. Fabulous water and sunset views, sand beach, pier, sea wall, boat lift and guest house. $989,000.

Essex County—Rappahannock River

Three beautiful building lots in Grandview with wide river views. Located close to Tappahannock amenities. Sought-after location with no nettles, good boating and fishing. Community pier or build your own. Easy commute to Richmond metro area. Perc letter on file. 1.5-2.0 acres+/- each. $199,950 per lot.

Northumberland County—Tipers Creek

Gorgeous waterfront lot just off Great Wicomico River & close to Chesapeake Bay. 2.62+/- acres has been cleared for building site. Driveway and 4 BR septic field installed + new pier with 5 Ft MLW. Wide views and 151 feet of WF. Ready to build!! $350,000

F. L. “Skipper” Garrett, IIIWaterfront Specialist

Office: 804-435-2673 • Cell: 804-370-4080 • Home: 804-443-2514

agarrett7@aol.com • www.skippergarrett.com

Essex County—Rappahannock River

Waterfront or water access lots with Rappahannock River views for UNDER $150,000!!! All lots have been approved for 3 bedroom septic systems and community pier or you can build your own. Paved roads. Water access lot for $59,500 and waterfront lots (#6-#9) are $139,500 each.

Westmoreland County—Bonums Creek

15.89 +/- acres between Kinsale and Coles Point with wooded homesite and long creek views of Bonums Creek just off Potomac River. Good boating water and could be perfect for horse farm. Loads of privacy yet easy commute to Richmond or Northern Virginia areas. $350,000

Essex County—Piscataway Creek

105+ acres at the headwaters of Piscataway Creek off the Rappahannock River just below Tappahannock. Pristine waters. Development potential or excellent hunting preserve. Zoned agricultural. $499,000.

Northumberland Co.—Brown’s Store Area

200+ acre tract is mostly wooded (191 acres) having significant timber value, Timber cruise on file. Excellent road frontage. Development potential or hunting preserve. $549,000

Fe b r u a r y 2 0 0 9 1 1

Long & FosterContemporary home with 4 bedrooms, 3 ½ baths on spacious 1.5 acre lot. Home features master bedroom suite on first floor, two fireplaces, exceptional hardwood floors and upscale accents throughout and fully finished basement with recreation room and bedroom suite. Deep water on Private Cove. — $994,000.

Terrie Dort, RealtorCell: 202-441-3037terrie.dort@longandfoster.com

Lovely Corrotoman Waterfront Home

Lancaster County Exclusive PropertiesCharming Golf Course Community

Great house on superb lot on golf course. Open floor plan with living room, kitchen, dining room and sunroom all open to each other. High ceilings add spacious feeling throughout. Beautiful wooded lot at end of cul-de-sac and next to golf course. Close to community center with community pool and tennis courts. — $450,000.

Long & FosterLovely waterfront home with 270 feet of shoreline with sailboat depth water on a protected Harbor. This home offers three bedrooms, three baths, 3464 sq.feet living space all on 1.76 acres. This home is offered for $599,500. Home is a short sale. Visit my website for additional pictures. Call 804-366-7383 for an appointment.

Historical Tidewater Farmhouse with modern transformation to include new lighting, electric, vaulted ceilings, many rooms and screened in porch. Beautiful landscaping, gardens, two verandas and inground pool. Historic log guest cottage/studio or office. 3-4 foot water at pier. $665,000.

www.denisedeihl.com • www.buytherivah.info

Wicomico Church

Potomac Overlook

Towles Point

This completely renovated home offers four bedrooms, three baths, 3000 sq. feet of living, Private master suite with den overlooking the Coan and Potomac Rivers.$595,000.

Betcie Thrift804-761-1242

Denise Deihl 804-366-7383

HeathsvilleGreat starter home with a new roof, new deep well, recently painted. This home offers hardwood floors, huge master bedroom, basement, close to the town of Heathsville. Offered for $180,000.

Middle Bay RealtySteve Jones, Agent

Cell: 804-761-7318 • Home 804-580-2433 SJones@middlebayrealty.com • www.searchbayproperty.com

Harmony Hall

2.52 acres in an excellent area of fine homes. Very close to Chesapeake Bay 2-3ft

MLW, 4 BR Perk. $199,000 #79535

Lewisetta

Private 5.1 acre parcel, close to the Potomac River. Excellent for sailboaters. 300 feet

waterfrontage on Glebe Creek. $499,000 #78120

Betz Landing

2.55± acre lot at the head of the Great Wicomico River. Offers privacy for you to

construct your own home. $95,000 # 19771

Swann Harbor

3 feet MLW, 3 bedroom perk letter. $179,000 #15484

Swann Harbor

0.945± acres with great views on a deep lake. Access to the Great Wicomico River.

Reduced to $65,000 #19084

Bay Cove

2.75 Acre building lot, with good views of Hull Creek. Minutes to the Potomac River.

$285,000 #79722

Wicomico Church

1+ acre parcel with 4 bedroom, 2 bath cape cod home, 1,887 SF. $159,000 MLS #81531.

Lighthouse Harbor

Point lot with great wide & long water views.3 to 5 feet MLW. Controlling Depth to Potomac River. Building Site Approval with a 50’ setback

instead of 100’. $239,000 #80004

Cranes Creek Harbor

1.51 Acres, 3-4 feet MLW on protected cove, only minutes to the Chesapeake Bay.

Excellent development of homes$289,000 #78098

Dividing Creek

2 waterfront lots.1.18 acres & 1.91 acres.

3+ feet MLW. Prices start at $325,000. #79640

Land Parcels

Fifteen Acres, Reduced to $169,000

MLS #1832, offers 7 to 8 lots on Route 609.

Call for more information.

Mallard Bay

One of the largest lots on Flyway Lake. Numerous community amenities. View of

both Flyway Lake & Eagle Lake. $129,500 #81639

Swann Harbor

1.27 ± acres with water access on Great Wicomico River. $74,000 #18719

Mallard Bay

Buiding lot on Flyway Lake. 0.53 acre, many community

amenites. $145,900 #78962

www.SearchBayProperty.com

Heathsville

7.7 Acres with large farm house,great area for horses

Reduced to $264,900. MLS#17127

Betz Landing

1.02 acres located at the head of the Great Wicomico River. Priced to sell quickly.

Great deal for Waterfront$125,000 MLS #81546.

Cranes Creek

Custom built home with 3,345 SF, on 2.45 acres, with 6 feet MLW, 4 bedrooms, 3-1/2 baths. Beautiful stone fireplace in great room. Large rooms throughout the home. Only minutes to the Chesapeake Bay and close to the town of Kilmarnock. $1,090,000 MLS #81107

Fe b r u a r y 2 0 0 9 1 3

Middle Bay RealtyJoe Emerson,

Pine Harbour

New charming, waterfront home with 3BR, 2.5BA, 1,634 sq.ft., 2-3 feet MLW, hardwood floors, fireplace and canal views from every

room. $289,000 #80539

Corrotoman by the Bay

New stick-built, 3BR, 2BA home with full walk-out basement with patio doors, windows,

and roughed-in bath. Great floor plan! Ready to move in! $224,500 #78593

Heritage Point

2.1 acres, lakefront,great community amenities.

$49,900 #80165

White Sand Harbor

Awesome views. 3BR septic letter. .55 acres. Community sand beach

& access to Cubitt Creek. $139,900 #79050

Waterfront and Water Access Lots

Knight’s Landing#19898 3.59 Acres $62,500#77851 3.4 Acres $54,900

Mallard Bay#19847 .76 Acres $149,900 #18640 .70 Acres $87,500#17830 1.72 Acres $99,900#80087 .63 Acres $149,000

Swann Harbor#79515 .81 Acres $45,000

Bay Quarter Shores#79179 .64 Acres $24,900#79180 .64 Acres $24,900

Corrotoman By The Bay#18549 .25 Acres $15,000#17682 .34 Acres $16,500

Betz Landing#78163 2.75 Acres $47,000#19532 1.49 Acres $39,900#78659 13.06 Acres $114,000

Heritage Point#80826 2.09 Acres $37,000#80827 2,14 Acres $37,000#80974 2.10 Acres $45,000 #80165 2.14 acres $49,900

www.NorthernNeckRealEstateTreasures.com

Cell 410-610-9890 • Home 804-580-2053RivahRunners@RivahRunners.com • www.NorthernNeckRealEstateTreasures.com

Lots & Acreage

Chinns Mill#20323 5.36 Acres $49,900#20324 5.22 Acres $49,900#20326 5.45 Acres $49,900

Bayville Acres#19873 1.001 Acres $35,000#19869 1.082 Acres $29,000#19872 1.102 Acres $37,000#19870 1.264 Acres $29,000#19871 1.061 Acres $35,000

Mollusk#81514 1.907 acres $15,000

Lancaster Courthouse#18791 12.13 Acres $67,000#18792 38.45 Acres $169,000

Iberis Woods#79521 4.493 Acres $45,000

Bay Harbor Estates#80867 0.94 acres $49,000

Lancaster#80990 1.25 acres $25,000

3BR, 1BA, Waterfront cottage on a very private lot. Community amenities include: pool,

clubhouse, boat ramp, tennis courts. $365,000. #77771

3BR, 2BA, open floor plan, fireplace and deck included. 0.53 acres. Water access. Community

amenities. $199,000. #79229

Corrotoman River

Very private building site withbreathtaking views of the Corrotoman

River. 3.29± acres, 3-4 ft. MLW.$225,000 #80862

Presley Creek

Spectacular views, 1.06 acres. Septic letter. Bring your camper, boat and fishing pole to

enjoy your lot while you build. $225,000. #78305

Photo shown is similar to home being constructed.

Mallard Bay

New construction. Stick-built 3 BR, 2 BAhome in water-access community.

Home overlooks Eagle Lake.#81163 $419,000

Sawmill Cove

4.19 beautiful acres.2-3 ft. MLW. Great private

Lot with pier already in place.#81187 $249,000.

Hague- Acreage

43.97 acres, beautiful combinationof level farmland & rolling wooded land

with creek running through it.$265,000 #79499

Mallard Bay

Custom built contemporary, 2100 Sq Ft, 3BR, 2BA on 3.5 private, wooded acres. Home offers

an open floor plan, oak ceiling in great room, 2-car heated garage and much more! Great

community amenities. Water access to Great Wicomico River. Reduced to $439,000. #19327

Whiting Creek

Waterfront home with access to Rappahannock River. 3 BR, 1BA on .48 acres. Hardwood floors, updated kitchen & bath, new appliances, septic

& roof. $279,900. #19802

Acreage & Waterfront

Great combination of acreage and waterfront on Morattico Creek in Farnham. Pretty views, level

land. Ideal for horse farm or family retreat. 15.2 Acres. $319,000 12.7 Acres $399,000

ReducedKnights Landing

3 BR, 2 BA, custom kitchen, Hardwood floors, walk-out basement with roughed in bath.

Community pier & boat ramp.$319,500. #17204

Kilmarnock

3 BR, 2 BA, deck and pool,Close to town and shopping.

Priced to sell.$219,000. #81414

Cubbitt Creek

2.25± acres in ChesapeakeCove, 4 BR cert. letter, priced$69,800 below assessment.

$149,000. MLS#81340

Sherwoord Forest

3 BR, 2 BA, water-view homein turn-key condition.

#81678 $199,000.

Wicomico Church

2 BR, 1 bonus room, 2 BA, 2 decks on0.75 acre. Very affordable.

$99,500. #80135

Pine Harbour

Beautiful, like-new 2BR, 2BA home on Little Wicomico Canal. Only minutes to the Bay. Huge

master suite. $259,000. #81705

One Blue Light Special appears to be working.

Interest rates are as low as they been since Freddie Mac started tracking them, refinancing appli-cations are soaring and home buys are on the move.

It’s the lowest the rate has been since Freddie Mac started the Primary Mortgage Market Survey in 1971.

With home prices reduced, with all the money you’ve been saving on reduced holiday spending and gasoline conservation, with all those motivated sellers out there.

It’s a good time to consider refi-nancing your mortgage and it’s a good time to be thinking “Buy A Home—Now!”

Forget settling down for a long winter’s nap.

It’s obviously time to put on your refinance thinking cap or your buy-a-home lid, not that go-to-sleep winter topper.

Low rates have you looking to refinance?

The average rates are so low, refinancing can benefit even those who purchased a home a year or two ago, even if they had a small equity stake in their home and used an ARM to buy.

The key, say the experts, is to examine your options.

Visit your existing lender •

first, especially if your lender doesn’t sell loans and has a vested financial interest in keeping its portfolio intact. It will prefer to refinance you at the going rate rather than cut a loan modification and lose money.Also shop around at other • banks, credit unions (espe-cially credit unions) and other lenders that also retain loans.Trading an ARM for a fixed • rate that’s slightly higher also isn’t a bad deal if that ARM rate will eventually explode with an upward adjustment.A 40-year mortgage also can • help offset the cost of trading an ARM for a fixed rate, due

to the longer term’s relatively smaller payments.If you have both equity in • your home and pristine credit, bargain hard. You have the most options.Quickly pull your credit • report from the only feder-ally-sanctioned free service, AnnualCreditReport.com and check it twice for accuracy.Don’t overlook trading one • ARM for another, especially if the new ARM is a hybrid that provides enough breathing room, say five or seven years or more before the first adjust-ment.A U.S. Housing and Urban • Development-approved coun-

Take That Low-Interest-Rate Holiday

by Broderick Perkins

Fe b r u a r y 2 0 0 9 1 5

We provide superior residential real estate

appraisal services in the Northern Neck, Middle

Peninsula, and surrounding Virginia counties.

www.barefootappraisalgroup.com

with you every step of the way

Liz Seigler Leslie Garland

Office: 804-453-7353 Fax: 804-453-3354

*24-72 HourTurnaround Time

selor, experienced mortgage broker or mortgage adviser can help you quickly sort through options from lenders, bailout programs and other sources to get you a refinanced mortgage—fixed or adjust-able—that is most viable.Examine all potential options • by comparing all loan costs of each refinance from a variety of sources—in-house lenders, secondary market lenders and brokers.

Low rates making you think about buying?

Budget. Know all sources of every penny and where every penny goes. You can’t know where you can cut costs until you know in detail what those costs are.

Save. Pinch Pennies. Save More. Being miserly isn’t lame. It’s a prerequisite to homeownership. If you don’t have a savings account worth three to six months of your net income, you are already a financial disaster waiting to hap-pen should there be an emergency. In addition to money for the down payment, lenders today will expect you to have some cash left over for insurance, taxes, mainte-nance and other costs that come with homeownership.

Don’t just get your credit report, read the darn thing. Your credit report is a report card on your credit use—the good, the bad, the ugly—and, too often, the incor-rect. Which is why you want to see it. If there are errors, follow the instructions to correct them.

Get professional help. Can’t determine what your credit report is trying to tell you? Not sure how to calculate what you’ll need to

save for a down payment? Don’t know how to set up a budget? Most consumers don’t. It’s okay to ask for help. It’s smart to ask for help. You don’t know everything about buying a home, even if you are moving up, but especially if you are a first-timer. Save the pride for after the purchase.

Whether it’s a financial plan-ner, financial counselor, real estate agent, mortgage broker, loan officer, or real estate market nerd, ask family, friends, co-workers and others you trust for references to find those who can help you. Get help in setting goals, sift-ing through mortgage programs, understanding the title and escrow process, finding a home and keep-ing a home—all well before you are actually in the market for a home.

Learn about market and eco-nomic conditions that could impact your decision. Learn about home prices, mortgage rates, home buying costs and other issues surrounding what’s likely to be your most complicated pur-chase ever.

Attend workshops, seminars and classes.

Browse for housing informa-tion from online content provid-ers, including MyMoney.gov, the Better Business Bureau (search “Tips for Troubled Homeowners”) and Deadline Newsroom’s home buyers search results.

Pick up a few books, or save some bucks in the library read-ing “Buying Your First Home” (Nolo, $24.99); “The National Association of Realtors Guide To Home Buying” (Wiley, $19.95) and “Let’s Get Real About Money” (Financial Times, $19.99), among others. n

It’s obviously time to put on your refinance thinking cap or your buy-a-home lid, not that

go-to-sleep winter topper.

Van Land Realty

Northumberland CountyFurnished beach cottage ready for your enjoyment and relaxation, 2 BR, great room, large enclosed porch, deck overlooking a beautiful sand beach on the Potomac River, breathtaking views into the Bay. — $379,500.

Custom-BuiltNew Home

New home with 4 bedrooms, 3.5 baths with tile, kitchen with walk-in pantry, wet bar, great room

with fireplace, dining room, large master suite with walk-in closets, full basement finished with wet bar, media room, great room with fireplace,

attached 3 car garage. This home has too many features to list and is a must see with very nice detail and desirable features,

2.513 acres± located near Heathsville with conveniences nearby.—$360,000.

Custom-BuiltNew Home

New home with 4 bedrooms, 3.5 baths with tile, kitchen with walk-in pantry, wet bar, great room

with fireplace, dining room, large master suite with walk-in closets, full basement finished with wet bar, media room, great room with fireplace,

attached 3 car garage. This home has too many

Hacks CreekBeautiful 2 acre ± wooded building site on Hacks Creek off the Little Wicomico River, Mostly level, pretty views, dock already in place—$199,500.

• 6.56 Acres +/- located on beautiful stocked pond with access to the Great Wicomico River, wooded, great water view.—$99,500.

• Lancaster County: 20 acres +/- with long state road frontage, mostly open and level, no known restrictions.—$199,000.

• Lancaster County: 1.1 Acres +/-, mostly wooded level, no restrictions, $27,500. Owner/Broker.• Reedville/Fleeton area: Two wooded building sites with road frontage on Fleeton Road, short

distance to public boat landing, sewer hook-ups available.—$39,800.• Nothumberland County: Building sites available, some with no restrictions, various price

ranges. Call today for more information..• Northumberland County: 22.983 acres +/- with approximately 3 acres +/- open and the

balance wooded, large trees, nice building sites.—$99,500.

Broker—Robert G. Vanlandinghamemail: vanlandrealty@verizon.net • P.O. Box 241 • Callao, VA 22435

Office: 804-529-7225 • Home: (804) 529-7508 • Fax: (804) 529-5613

www.vanlandrealty.com

Northumberland CountyCozy 2/3 bedroom, 1½ bath home located in Heathsville with conveniences and schools nearby, enclosed porches, basement, barn,

berber carpeting, family room with fireplace, very pretty lot with nice trees.—$129,900.

Northumberland CountyCozy 2/3 bedroom, 1½ bath home located in Heathsville with conveniences and schools nearby, enclosed porches, basement, barn,

berber carpeting, family room with fireplace, very pretty lot with nice trees.—$129,900.

Northumberland County52.21 acres± located on the Coan River with both open and wooded land, niceelevated home sites with beautiful views of the river, good hunting, newdock—$349,500.

Harbor LandingNew subdivision consisting of 13 lots ranging in size from 1.004 acres± to

1.622 acres±, state road frontage, short commute to Burgess and

Kilmarnock, approximately 1 mile from marina. Call today and choose

the site of your dream home!—$39,500 each.

ReducedRe

Essex • Gloucester • Mathews • King William • King and QueenNorthumberland • Richmond • Middlesex • Lancaster • Westmoreland

West Bay on the ChesapeakeEssex InnPier BuildingGoing Green

Volume 1, Issue 1

Color Conundrum | Healthy Pet | Contractor Additions | Home Theater

Messy Geese | Serving Pieces | Create Warmth | Home Equity | The Birds

Healthy Plants | House of Hope | Interior Design | Valentine’s Day

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www.thehouseandhomemagazine.com

West BayWest Bay on the Chesapeake

West Bay on the Chesapeake

West BayEssex InnEssex InnPier Building

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Going GreenGoing Green

Offi ce: 804-443-0330 • jlbpublishing@earthlink.netPO Box 2564, Tappahannock, VA 22560

Fe b r u a r y 2 0 0 9 1 7

Farms • Waterfront • Residential • Commercial

New Custom Built, Waterfront Home in Glebe Harbor on Weatherall Creek with pier.Water 2-3’MLW.1800sq.ft. with 3 bedrooms, 2 Full baths, Living room with fireplace.Wrap around porch.Voluntary POA- Amenites- Pool,Beaches,Boat Ramps,& Clubhouse. $369,000.

Glebe Harbor Ragged Point ~ Westmoreland

This 2-story cape cod has 4 BR, 2 BA with 2436± sq. ft. of living space. Cathedral ceiling, brick fireplace. This would make a perfect full or part-time residence with 50 ft. of water access to sand beach. Close to marinas, restuarants, great fishing, and crabbing in the Coles Point area. $249,000.

Nomini River

7’to 8’ MLW ,Great view, come bring your Sail Boat.Subject to Final Plat.Use of Boat Ramp. $449,000.

Montross

9.15 acres with Double-Wide. 1710 Sq. Ft. Second home is a farm house and needs some tender loving care. Four bedrooms and two baths. Most of the land is open. Pole shed. Great opportunity for investment. $279,000.

Conveniently located in the town of Montross. With sidewalks for leisurely strolls to restaurants, drug stores, churches, post office and much more. $218,900.

Montross

This two-bedroom mobile home is like-new with a nice pier. Good fishing and crabbing. Great views. Carport. $289,000.

Kinsale ~ Jackson Creek Westmoreland County

Waterfront— 2,000 ft. 34± acres. Farm buildings. 85 acres open & 300+ woodland. Marketable timber. Great hunting. $2,350,000.

Ready to Move in

Charming, older 3 BR, 1 bath farmhouse in great condition. Ready to move into. Nice yard with trees and shrubs. Screened porch in front. Paved drive and parking. 1.66 Acres. $125,000.

Montross

New roof, new windows, new paint job 3 BR, 2,5 Baths on .90 acres. Detahced 2-car garage, 22x24 and block building—20 x 40. $189,000.

Waterfront Lot

Great building lot, about 3 acres cleared with septic and deep-well in. One acre freshwater pond with bass. Long pier with 6’ MLW, boat lift and boat house. $459,000.

Montross

Beautifully landscaped home on 3’ MLW. 2 master bedrooms and 2.5 baths. Huge deck, pier, bonus room, three-car garage. Lower-level offers a walk-out basement. Great views of the water and wild life. $499,000.

Coles Point—Waterfront

Gorgeous sunsets & water views! This brick home offers a 2-car attached garage and detached 30x40 workshop. 3 bedrooms, 2.5 baths, sunroom, living room, and master bedroom overlooking water with decks. 5.39± acres micely landscaped. $675,000.

HuttRealty, Inc.

PO Box 66 • 15300 Kings Hwy, Montross, VA 22520 Office: 804-493-8994 • www.huttrealty.com

Charlotte Hutt—Vice President, Principal Broker Cell: 804-761-4341 • charlotte@huttrealty.com

Brick cape with hardwood floors. First floor bedroom, new custom made cabinets, Corian countertops, two new heat pumps—upstairs and down. New hot-water heat back-up,. Freshly painted. New windows in sun room. Nice location in town of Montross. $259,000.

Montross

Come bring your Sail Boat with 7-8’ MLW. This is a custom built New Home with great views of the Nomini.It is on a point with unbelievable views.Lots of upgrades. $795,000.

Jenkins Point

Good location, close to Warsaw,1.5 ac. nicely landscaped,Home in good condition ready to move in. $100,000, firm.

Richmond County

Wilder’s Grant

Historic property in the heart of Irvington on Carters Creek. Exceptional property on six-plus acres. 1,195,000.00

Dymer Creek $885,000.00

• Brick home• Excellent storage and closet space• Fireplace• Water-side Deck

• 2+ acres• 480 ft. of shoreline• Protected Harbor• Dependency

Charming Victorian with high ceilings, beautiful flooring, fine millwork, spa-cious 1.4+/- acre parcel. Village Com-mercial zoning. Excellent opportunity. $299,500.00.

SaludaVillage property

Golf Course Community

Beautiful Golf Course, pond, club house and tennis courts — wonderful community for retirement or second home. Rich wood floors, high ceilings, attached 2 car garage - wonderful screened porch. $359,500.00

Fe b r u a r y 2 0 0 9 1 9

Tipers Creek

Deep sailboat harbor convenient to the bay. 3+ wooded acres. Established water-front community. $498,500.00

Carters Creek

Overlooking the harbor on Carter’s Creek. 4,300 Sq. Ft of the best in traditional and contemporary living. $1,100,000.

Taylor’s Creek with views of two rivers. Charming river cottage with wide views, huge deck, second porch. New Roof.

Creek and River $789,500.00

Irvington

Quintessential waterfront village. Renovated tidewater Victorian home. Swimming pool. $495,000.00

Carters Creek

2+ wooded acres with pier permit. Wide views and deep harbor. $469,500.00

• Wide views• Deep Harbor• Architect Designed• Exceptional gardens & landscaping• 4,300+ sq. ft. of living space• Walking Path• Hardwood and Cork Flooring• Caterer’s kitchen• Conditioned Crawl space• Decks and screened porch

Carter’s Creek $ 1,950,000.00

Extraordinary custom design by William Henry Harris. Spectacular Hamptons-style Cedar shake and stone exterior. Multiple screened and open porches. Cupola with commanding 360 degree views. Rich pine floors. Imported pillowed edge French limestone floors throughout the first floor of the “west” side. Fireplaces, two designer kitchens, carriage house garage, heated Granite pool with hot tub. Deep water (6’+ MLW) pier.

Carter’s Creek $3,850,000.00

Fe b r u a r y 2 0 0 9 2 1

Indian Creek

Excellent sailboat harbor. Walking distance to golf course. Brick home. Extended water views. $698,500.00

Carters Creek

Exceptional point of land in the heart of Irvington. Large pier with deep water slips. 3,400± sf residence. 1,595,000.00

Scoggins Creek

Discover the absolute beauty of this 5.4 acre _ - over 500 feet of creek & stream - with like new craftsman screen porches, pool. $495,000.00

Rappahannock River

Sweeping river views. Scenic pond — ideal location on Crab Pt. Road. $699,500.00

Carter’s Creek

Fabulous views of Creek and River!Creek Room overlooks the pool. Hardwoodfloors. NEW PRICE $769,500.00

Town & CountryTown & CountryTown & CountryTown & CountryTown & CountryTown & CountryTown & CountryTown & CountryTown & CountryTown & CountryTown & CountryTown & CountryTown & Country

Laurel Point

Waterfront community. 2.9 acre parcel — lavish use of glass overlooking pool. Large gourmet kitchen. New price. $399,000.00

Water Access $459,500.00

• 2+ acres• Like new• Ash hardwood floors• Maple cabinets w/ granite• Brazilian Walnut deck

The Palmer Building $1,350,000.00• Historic District• Over 7,000 sq. ft.• Beautiful wood floors

• Three stories plus cupola• Sale or lease

Town & CountryTabb’s Creek

Exciting new home with full ammenities. Beauti-ful Chef ’s Kitchen boasts granite topped cabinets. Pier. Just off the bay. 1,179,500.00

Indian Creek $799,500.00

Clifton Landing. Ideally positioned on 5+ acres, ... just minutes to Kilmarnock, this spacious architect designed home offers over 3,400 sq. ft., with a focus on contemporary waterfront living. The room, decks and porches face the water. Pier, generator, patio.

$880,000.00Sandy Point - Skipjack Rd.

Enjoy the best of the Potomac River living in this spacious 4 bedroom, 2 bath home. Features include great room, den, summer kitchen, pier with lift, 3-car garage, heated workshop, large yard, screened porch and deck. Call Patricia Bruce 804-435-1000.

Carter’s Creek $995,000.00

Gracious, traditional home opens to beautiful Carter’s Creek. Shaded by large hardwoods and surrounded by laurel, bayberry, daffodils and azaleas — this is truly an ideal Virginia waterfront setting. Crab and fish from the deep wide pier. Kitchen opens to family room. Screened porch with slate tile flooring — wonderful deck near water’s edge.

$549,500.00New Construction

Premium construc-tion and detail are enjoyed through this traditional home. Wooded floors, granite counter tops, vaulted ceilings. Lower walk-out level for hobbies/storage. Located on Laurel Point.

Water Access

Great Wicomico River $1,295,000.00

With unending views from the river to the bay. One owner home designed for today’s waterfront lifestyle. Great room and Formal Dining Room. Kitchen and dining area with wide views. Deck, Gazebo, conditioned crawl space, lovely gardens.

Voted the Best Realtor in the Northern Neck by readers of The Northern Neck News for the past five years.

Lovely upscale townhouse close to restaurants and marinas.This 3 bedroom, 2 1/2 bath home has state of the art kitchen with granite counters and stain-less appliances. Greatroom has gas fireplace, cathedral ceiling.Attached two car garage. $298,900. Contact Shirley Harper.

Home with 3 bedrooms, 2 full baths, living room with fireplace, large eat in kitchen, bonus room.Fenced in back yard area + sev-eral huge buildings ideal for car repair etc. $220,000. Contact Shirley Harper.

Cape on 8+ acres with 3 bed-rooms, 1 1/2 baths, living room with fireplace, dining room, large eat in kitchen, several large outbuildings. $249,000. Contact Shirley Harper.

Great starter or weekend home in Historic town of Kinsale. Situated on side street with water access this 3 bedroom, 1 1/2 bath rancher has much to offer. Huge kitchen /din-ing area, large living room, hardwood floors make this a very special home. $169,000. Contact Shirley Harper.

Beautiful views from this 1.3 acre elevated waterfront lot on scenic Nomini Creek. Nice area, sailboat depth water 5’MLW, 4 bedroom septic certification letter on file. Build your dream home in the Northern Neck! Offered at $285,000. Contact Barbara Jean LeFon.

Delightful and spacious 3 BR, 2 Full and 1 Half Bath home in popular Cabin Point. Lovely setting framed by large trees, 9’ ceilings and hardwood floors on main level, over-sized 1 car garage, large bonus room, wonderful screened porch over-looking park-like backyard, dock and much more. $398,500. Call Barbara Jean LeFon.

Wonderful waterfront lot in one of the nicest develop-ments in Westmoreland County! Ready to build your dream home. Septic sys-tem mostly completed, dock finished and an approved site plan for a 4BR home in hand. Owner/builder will build to suit or choose your own builder. Offered at $229,000 Contact Barbara Jean LeFon.

Spacious 3 BR, 3 BA custom built home on 1 acre in a great area with many upgraded features throughout.Possible “Rent with Option to Buy”. Additional 1 acre lot could be included. Asking price $239,500. Contact Barbara Jean LeFon.

Charming brick home on 13.72 acres features attached 2 car garage, 2 detached workshops, kitchen with updated appliances, breezeway, beautiful pine floors, and much more! Must See! Offered At: $229,000. Contact Melissa King.

3BR/2BA, Like New home on Hale’s Lake with 700ft of waterfront! Large Deep Water Lake! Very Secluded! $249,000. Contact Melissa King.

Delightful architecturally designed home on the Yeo-comico River. This home was remodeled in 2005 & features many lovely details including: patio with hot tub overlooking the water, kitchen with ceram-ic tile, large LR, office, bonus room, dock, and more! Great Buy! Offered At: $399,000 Contact Melissa King.

3 BR, 2-1/2 BA. Brand New, Low Maintainence home conveniently located near great restaurants and marinas. Features include Main level Master Suite, jetted tub, gorgeous kitchen, and walk around porch. Call for details. $199,000. Contact Melissa King.

16501 Kings HighwayMontross, VA—804-493-8772

6735 Richmond RoadWarsaw, VA—804-333-8772

www.rivahrealty.comBarbara Jean LeFon, ABR, GRI

Principal/Broker/Owner1-804 493-8772

barbarajean@rivahrealty.com

Melissa King, ABRSales Agent

1-804-761-2024melissa@rivahrealty.com

Shirley HarperSales Agent

1-804-472-2325shirleyharper@rivahrealty.com

Nomini Creek Building Lot Waterfront Building Lot Country Living Cabin Point Waterfront

13 Acres Waterfront Home Valley Custom Homes Fisherman’s Get-Away

Townhouse Mini Farm Historic Kinsale Rancher-Business Potential

Located on Parker Creek with beautiful views out to the Yeocomico River close to the Chesapeake Bay, this 3BR plus bonus room, 2BA this well-maintained waterfront home comes with a large garage, shed, dock, wrap-around deck, beautiful landscaping, large lot and much more! Priced to sell at $474,500. Call Barbara Jean LeFon.

Parker Creek

2 Lots in the historic Town of Kinsale.

n 3.41 acres with wonderful views—$179,000

n 1.54 acres—$99,000

Located close to marinas, boat launch and more!Contact Melissa King.

Waterview Lots in Kinsale

Remodeled cape in the historic town of Kinsale, 1813 sq. ft. home has 3 bedrooms, 2 full baths, greatroom with fire-place, dining room, 2 bonus rooms, full basement, large screened porch. Water access. Move in ready! $259,000. Contact Shirley Harper.

Kinsale Cape

Reduced

New Price

W E S T M O R E L A N DCO U N T Y

K I N G G E O R G ECO U N T Y

E S S E XCO U N T Y

K I N G W I L L I A MCO U N T Y

K I N G A N D Q U E E NCO U N T Y

M I D D L E S E XCO U N T Y

N E W K E N TCO U N T Y

C H A R L E S C I T YCO U N T Y

C H E S T E R F I E L DCO U N T Y

H E N R I COCO U N T Y

H A N O V E RCO U N T Y

J A M E S C I T YCO U N T Y

G LO U C E S T E RCO U N T Y M AT H E W S

CO U N T Y

C A R O L I N ECO U N T Y

S P OT S Y LVA N I ACO U N T Y

N O R T H U M B E R L A N DCO U N T Y

L A N C A S T E RCO U N T Y

R I C H M O N DCO U N T Y

MARYLANDFredricksburg

Williamsburg

Petersburg

RICHMOND

King George

Dahlgren

Port Royal

Woodford

Colonial Beach

Oak Grove

Coles Point

Montross HagueSandy Point

KinsaleAcorn

Callao LottsburgWarsaw

Farnham

Tangier

Champlain

Heathsville

Burgess

Reedville

WicomicoChurch

LancasterLively

Dunnsville

Center Cross

Loretto

Hustle

Tappahannock

Newtown

St StephensChurch

BruingtonAylett

Laneview

Bowling Green

Milford

Partlow

Spotsylvania

BeaverdamRuther Glen

Doswell

Montpelier

Rockville

Manakin Sabot

Midlothian

Tuckahoe

Chesterfield

Glen Allen

Hanover

Manquin

Mechanicsville

Highland Springs

Standston

Quinton

Walkerton

King William

Providence

New Kent

Little Plymouth

Mascot

Shacklefords

West Point

Barhamsville

RichmondInternationalAirport

King and QueenCourt House

Jamaica

WaterView

Church View

Saluda

Urbanna

Merry Point

Kilmarnock

Irvington

Fleets Bay

White Stone

Windmill PointLocust Hill

Hartfield

Hardyville Deltaville Stingray Point

DuttonCobbs Creek

North Foster

Hudgins

DiggsMathews

Cardinal

Port Haywood

SusanNew Point

Gloucester

Ordinary

WallerMill Park

Gloucester Point

Yorktown

SeasfordNewport

Lanexa

Charles City

Claremont

Hopewell

Chester

Colonial Heights

Fort Lee

Prince George

York RiverState Park

Lands EndWildlifeRefuge

VoorheesNature Reserve

Caledon StateNatural Area

Westmoreland State Park

RappahannockRiver NationalWildlife Refuge

Zoar State Forest

Pocahontas State Park

Belle IsleState Park

Virmar Public Beach

Bushmill StreamNatural AreaPreserve

Canoe HousePublic Beach

Hughett PointNatural AreaPreserve

PublicBeach

Holly PointNature Park

Bethel BeachNatural AreaPreserve

RichmondCounty Museum

LancasterVisitor Center

Steamboat EraMuseum

Mary Ball WashingtonMuseum

Ball MemorialLibrary & Museum

ReedvilleFisherman’sMuseum

Christ Church

DeltavilleMaritimeMuseum

Gwynn’sIslandMuseum

Tompkins Cottage

Williams WharfRowing Center

New Point ComfortLighthouse

VIMS Aquarium

Colonial NationalHistoric Park

HistoricWilliamsburg

Richmond NationalBattlefield Park

King William Courthouse

MattaponiIndian Reservation

Essex County Museum

Historic GloucesterCourthouse Square &Beaverdam Park

Rosewell Ruins

Urbana VisitorCenter

MiddlesexCountyMuseum

Menokin

Westmoreland CountyMuseum and Visitor Center

George WashingtonBirthplace

Colonial BeachMuseum

Potomac GatewayVisitor Center

FORTA.P. HILL

MILITARYRESERVE

JacksonShrine

Fredericksburg and Spotsylvania National Military Park

Stratford Hall

James River

Mattaponi River

Pamunkey River

Chickahominy River

Potomac River

Rappahann ock River

York River

James River

Lake Chesdin

TangierIsland

SmithIsland

NominiBay

MobjackBay

Welcome to the Northern NeckBetty Hall, G.R.I., Associate Broker

Cell: 804-761-3093 • E-mail: bettyh@kaballero.com

Photo, Details, Area Tips, and More at:

www.riveragent.comVirginia Waterfront, Inc.—Burgess, VA 804-453-3701

Colonial design brick ranch– Burgess area, Northumberland

An open front porch overlooks the beautiful front lawn of this 2400 sq.ft. home while the fenced back yard is great for pets. The 30x20

Master, 23x28 Family Rm w fireplace, 4 ac site and large storage/work shop make this a great country home. Scoop it up $250,000

Burgess Area WaterfrontAlmost One Acre on canoe depth tidal cove that overlooks and merges with the Little Wicomico River as it flows to the Bay. Wooded, gently sloping.—$200,000 Price Reduction Pending – please call.

Ditchley Road– 4 Minutes to Mid-town Kilmarnock This versatile 5 ac tract w/road to water’s edge boundaries features woods, open field,

mild contours, and safe harbor on Dividing Creek’s Lawrence Cove. Topography, soil, and view indicate suitability for two waterfront home sites. $495,000. $450,000.

Kilmarnock Land—15 Acres on Mary Ball Road (Route 3) 1.5 miles west of Kilmarnock, 0.6 mile from school, <5 minutes to Lancaster

Courthouse. Level, wooded, 420 ft along VDOT right of way. Excellent investment or immediate development. $210,000 Now $175,000

www.riveragent.com

Fe b r u a r y 2 0 0 9 2 5

W E S T M O R E L A N DCO U N T Y

K I N G G E O R G ECO U N T Y

E S S E XCO U N T Y

K I N G W I L L I A MCO U N T Y

K I N G A N D Q U E E NCO U N T Y

M I D D L E S E XCO U N T Y

N E W K E N TCO U N T Y

C H A R L E S C I T YCO U N T Y

C H E S T E R F I E L DCO U N T Y

H E N R I COCO U N T Y

H A N O V E RCO U N T Y

J A M E S C I T YCO U N T Y

G LO U C E S T E RCO U N T Y M AT H E W S

CO U N T Y

C A R O L I N ECO U N T Y

S P OT S Y LVA N I ACO U N T Y

N O R T H U M B E R L A N DCO U N T Y

L A N C A S T E RCO U N T Y

R I C H M O N DCO U N T Y

MARYLANDFredricksburg

Williamsburg

Petersburg

RICHMOND

King George

Dahlgren

Port Royal

Woodford

Colonial Beach

Oak Grove

Coles Point

Montross HagueSandy Point

KinsaleAcorn

Callao LottsburgWarsaw

Farnham

Tangier

Champlain

Heathsville

Burgess

Reedville

WicomicoChurch

LancasterLively

Dunnsville

Center Cross

Loretto

Hustle

Tappahannock

Newtown

St StephensChurch

BruingtonAylett

Laneview

Bowling Green

Milford

Partlow

Spotsylvania

BeaverdamRuther Glen

Doswell

Montpelier

Rockville

Manakin Sabot

Midlothian

Tuckahoe

Chesterfield

Glen Allen

Hanover

Manquin

Mechanicsville

Highland Springs

Standston

Quinton

Walkerton

King William

Providence

New Kent

Little Plymouth

Mascot

Shacklefords

West Point

Barhamsville

RichmondInternationalAirport

King and QueenCourt House

Jamaica

WaterView

Church View

Saluda

Urbanna

Merry Point

Kilmarnock

Irvington

Fleets Bay

White Stone

Windmill PointLocust Hill

Hartfield

Hardyville Deltaville Stingray Point

DuttonCobbs Creek

North Foster

Hudgins

DiggsMathews

Cardinal

Port Haywood

SusanNew Point

Gloucester

Ordinary

WallerMill Park

Gloucester Point

Yorktown

SeasfordNewport

Lanexa

Charles City

Claremont

Hopewell

Chester

Colonial Heights

Fort Lee

Prince George

York RiverState Park

Lands EndWildlifeRefuge

VoorheesNature Reserve

Caledon StateNatural Area

Westmoreland State Park

RappahannockRiver NationalWildlife Refuge

Zoar State Forest

Pocahontas State Park

Belle IsleState Park

Virmar Public Beach

Bushmill StreamNatural AreaPreserve

Canoe HousePublic Beach

Hughett PointNatural AreaPreserve

PublicBeach

Holly PointNature Park

Bethel BeachNatural AreaPreserve

RichmondCounty Museum

LancasterVisitor Center

Steamboat EraMuseum

Mary Ball WashingtonMuseum

Ball MemorialLibrary & Museum

ReedvilleFisherman’sMuseum

Christ Church

DeltavilleMaritimeMuseum

Gwynn’sIslandMuseum

Tompkins Cottage

Williams WharfRowing Center

New Point ComfortLighthouse

VIMS Aquarium

Colonial NationalHistoric Park

HistoricWilliamsburg

Richmond NationalBattlefield Park

King William Courthouse

MattaponiIndian Reservation

Essex County Museum

Historic GloucesterCourthouse Square &Beaverdam Park

Rosewell Ruins

Urbana VisitorCenter

MiddlesexCountyMuseum

Menokin

Westmoreland CountyMuseum and Visitor Center

George WashingtonBirthplace

Colonial BeachMuseum

Potomac GatewayVisitor Center

FORTA.P. HILL

MILITARYRESERVE

JacksonShrine

Fredericksburg and Spotsylvania National Military Park

Stratford Hall

James River

Mattaponi River

Pamunkey River

Chickahominy River

Potomac River

Rappahann ock River

York River

James River

Lake Chesdin

TangierIsland

SmithIsland

NominiBay

MobjackBay

Area Map

Affordable 2002 modular home with 2000 + square feet on 11.47 acres. Great community close to US Route 17. 4 acres of woodland behind home for hunting or recreational use. No restrictions. Minutes from the town of Tappahannock and the Rappahannock River with an easy commute to Fred-ericksburg or Richmond. $199,500

Looking for a new home in the country? This cape-cod is just what you are looking for! Built in a private setting, this home features hardwood floors, tiled baths and approximately 2500 square feet of living space. There’s also a lovely front porch, 2-car detached garage (with electric and water), and a rear deck with gas hook up for your grill. This is a quality built, low maintenance home priced to sell at $20,000 under the appraisal. This house also includes a one year builder’s warranty plus a home warranty by United Country Home Protection. $315,500

Private building site on headwaters of White Point Creek. Great hunting area with access to Yeocomi-co and Potomac River. Close to historic Kinsale Har-bor. 47 acres of mature trees; 11 acres of open land has been cultivated. Soil study showing conventional perk site on file. Great opportunity for potential road frontage development. $269,500

George English, GRI1-800-641-1263 ext. 102 • 804-761-5549 (cell)georgeenglish@bay-river.com • www.bay-river.com

www.bay-river.com

A brand-new home—never been occupied! Con-veys with full 1-year builder warranty. Bright & open Oxford floor plan provides front porch, 2-car garage, 3 large bedrooms and den. Hardwood floors in the living room, dining room, and foyer. Deck overlooks scenic 1-acre lot. Energy-efficient home. State main-tained roads. No HOA! Close to schools, shopping and major roadways. $229,900

Spacious Dutch Colonial waterfront home on Rappahannock River in Essex Co. community. 5 BRs, 3.5 baths, fine woodwork, 2 fireplaces w/ gas logs, hardwood & pine flooring. Large screened porch offering views of river. Well landscaped with mature trees and shrubs. Sand beach. Community boat ramp. Near shopping and dining in Tappahannock. Easy commuting via routes 17 or 360. $799,500

You’ll feel at home the minute you walk into this traditional-style home. A huge country kitchen and a spacious great room are the focal points of this home. There are three bedrooms total with the master bedroom being located on the first floor. A well-shaded deck provides the perfect setting for relaxing with guests or reading the paper. $279,000

Partially wooded waterfront lot with 3-4 feet of water. 4 BR site available. Located off Little Wicomico River with protected harbor yet close and easy access to Chesapeake Bay and Potomac River. $269,500

United Country - Bay River Realty1-800-641-1263 • bay-river.com

Numerous waterfront and large acreage parcels available.

Quality waterfront home on beautiful Buckner Creek. Well thought-out floor plan with lots of upgrades. Pine vaulted ceilings, Corian counters, custom cabinetry, dual zoned heat pump w/ back-up gas. Great landscaping. A detached 2-car garage with loft, a 10 x 16 tool shed and a pier with run-ning water and electricity. Totally private with a host of wildlife. $599,500

Fe b r u a r y 2 0 0 9 2 7

Mason Realty, Inc.U R B A N N A

Eric Johnson804-815-8374

Craig Hall804-815-8494

R.D. Johnson804-815-8320

1-804-758-5372 • www.masonrealty.com

Urbanna area – Beautiful 4,100 sqft waterfront home has 11 rooms. 3-4 bedrooms, 5 full baths – Bright & spacious! Screen porch. 2 car garage/shop. Generator system. Pier.Great views with water on 3 sides. Priced well below recent appraisal. $995,000

LaGrange Creek

In Town – Like new 3 bedroom, 3 bath with gorgeous views. Great room, vaulted ceiling, fireplace, screen porch, pier, bulkhead. Nice shop/storage building. Priced to sell $695,000

Urbanna Creek

Taylor Creek area – 190’± frontage with great western views! 3 bedroom, 2 bath Ranch with unfinished basement. Glassed porch. Detached garage. Deep water. NOW $495,000

Corrotoman River

Rappahannock River – Location, Location, Location! One of a kind property! Large sand beach. Million $$$ views. Can be divided. Solid two-story house can be renovated. $1,550,000

Bowlers Wharf

3 bedroom, 2 bath Cape. Great room with vaulted ceiling & hardwood floors. Large country porch. 1 acre. Lots of trees. NOW $165,000

Waterview Area

Queen Anne’s Cove – 3 bedroom townhome with pool, boat ramp, deep water dockage – Super Views! Walk to town! $419,000

Urbanna

Historic and charming “Cottage Row” home has Pine floors, central heat & air, gas logs, town water & sewer, 3 car garage, workshop, walk to shopping & marina. $249,500

Urbanna

Garnett Hill – Large custom brick ranch within walking distance of town. 3 bedrooms, 2 ½ baths, fireplace. Finished basement. Wainscoting & crown molding. 2 car garage. REDUCED to $342,500

Urbanna

Garnett Hill – 3 bedroom, 2 bath brick rancher with 2 fireplaces, new roof, hardwood floors. New garage. Water Access. Large lot. $299,500

Urbanna

Garnett Hill – Lovely split level with many new features – 3 bedrooms, 2 ½ baths, finished basement, fenced yard. Small water view. NOW $324,500

Urbanna

Off Piankatank River – Nicely treed 1.4 acre lot with septic and drain field installed for a 3 bedroom home. Pretty views! 261’± frontage on creek. $195,000

Dancers Creek

Prentice Creek – 5 ½ wooded acres with good views. Good state road frontage. No restrictions. NOW $159,500

Kilmarnock Area

Nice 3 bedroom, 2 bath ranch style home. Large master bedroom, central heat & air, town water & sewer. Good location! $237,500

Urbanna

Deltaville – Brick Colonial with 3 bedrooms, 3 ½ baths – 2 bonus rooms upstairs. Master suite up and down. 2 car attached garage. 1 acre. Pier to 3’ MLW. NOW $699,500

Hunton Creek

New Construction – 3 bedroom, 2 bath ranch with vinyl siding – Good location! Deeded water rights – Access to Piankatank River – 3 boat ramps, beach & boat ramp access! $169,900

Hartfield

Reedville Ferry Area

n Hardwood floors/Shake Sidingn Pier w/ 3-4’ MLW/2 car garagen Available for weekly rentaln Offered for $599,000

Tom Kimmitt(804) 761-7326

Tom.Kimmitt@ColdwellBanker.comwww.NorthernNeckRealEstate.com

www.CBChesapeakeBayProperties.com607 Rappahannock Drive • P.O. Box 225

White Stone, Va. 22578(804) 436-9145 • 1-877-229-7772

14824 Northumberand Hwy. • P.O. Box 67Burgess, Va. 22432

(804) 453-5999 • 1-866-888-0676

276 North Main Street • PO BOX 548Kilmarnock, Va. 22482

(804) 435-2482 • 1-800-525-6405

n Located on Ingram Bayn Community dock and gazebon Master suite, LR fireplace. n Offered for $550,000

Wide Bay Views Piankatank River Chesapeake Bay Access

Ava Lewis(804) 436-4469

Ava.Lewis@ColdwellBanker.comwww.CBChesapeakeBayProperties.com

Reedville

n Charming 3 Bedroom Homen Wood floors through-outn Large entertainment deckn Offered for $269,000

Holly Rittenhouse(804) 761-0145

Holly.Rittenhouse@ColdwellBanker.comwww.YourHollyRittenhouse.com

n Bright and open floor plann Lovely River roomn Pier/Boat Slips/ 10’ MLWn Offered for $1,395,000

Stan Whitehead(804) 370-1411

Stan.Whitehead@ColdwellBanker.comwww.WhiteheadWaterfront.com

Long View to the Bay

n 2,500 sq ft / 3 BR/3 BAn 2.75 Wooded Acresn Dock / Lift / Rip Rapn Offered for $799,000

Joe Hunt(804) 436-6020

Joe.Hunt@ColdwellBanker.comwww.BayEscape.com

n Custom New Homen 4 Bedroom/3 1/2 Bathsn Over 2,800 Sq. Ft.n Offered for $479,000

David Stinson(804) 580-0751

David.Stinson@ColdwellBanker.comwww.WaterfrontByStinson.com

n Great Wicomico Rivern 280’ Protected Shorelinen Quick access to the Bayn Offered for $895,000

Sailboats Welcome Presley Creek/Potomac River Cottage at the Golden Eagle

n 1.44+/- acres, gorgeous viewsn Steps to community beach &

boat rampn Pier permitn Offered for $230,000

n Large living room/fireplacen Golf Course Viewsn Great value, Great Locationn Offered for $327,000

Sandra Hargett(804) 436-3454

Sandra.Hargett@ColdwellBanker.comwww.SandraHargett.com

Water-Access Rancher

n Meticulously maintained homen Community Dock & Ramp closen Priced at recently appraised valuen $258,000

Pat Meeker(804) 436-5504

Pat.Meeker@ColdwellBanker.comwww.CBChesapeakeBayProperties.com

Selling homes for more than 100 years—We never stop moving!

Historic Low Interest Rates

Reduced

Fe b r u a r y 2 0 0 9 2 9

Sandra HargettBroker (804) 436-3454sandra.hargett@coldwellbanker.com

n Delightful corner lotn Spacious Cape Homen 3 Bedrooms/2.5 Bathsn Offered for $375,000

Cranes Creek Access

n Traditional Homen Super Locationn Dock and Pooln Offered for $789,500

Antipoison Creek

n Large living room/fireplacen Golf Course Viewsn Great value, Great Locationn Offered for $327,000

Cottages at Golden Eagle

n Incredible views and exposuren 3 Bedroom 3 Bath Homen A tour is a must!!!n Offered for $789,500

Carters Creek

n Totally Renovated Homen Pool/Dock with Liftn Build your WF dream homen Offered for $779,000

Corrotoman River

n Charming Homen River Roomn Wide Viewsn Offered for $724,000

Corrotoman River

n Prime Locationn Multiple Fireplacesn 3900 SF Living Arean Offered for $1,250,000

Carters Creek

n 3 Bedroom/4 Bath Brick Homen 3197 Square Feet living spacen Dock, Pool and Great Sunsetsn Was $995,000 NOW $795,000

Little Wicomico River

n Nantucket Style Cottagen Top of Line Constructionn Sailboat depth Harborn Was $825,000 NOW $749,000

Little Wicomico River

n Traditional new brick homen 4 Bedrooms/3 Bathsn Sailboat harbor/lift at Dockn Offered for $974,500

Dividing Creek

n Rappahannock Rivern Wrap around waterfrontagen Large Tidewater Farm Homen Deep water dock/waterside Officen Offered for $1,975,000

White House Creek

n Family Compoundn Brick Home/Guest Quartersn Pool/Deep water/Two lotsn Offered for $1,375,000

Tipers Creek

n Pack your bags/furnishedn 3 Bedroom/3.5 bathn Sand Beach on Bayn Was $775,000 NOW $699,000

Chesapeake Bay

n Picturesque and Privaten Renovated to perfectionn 3 Bedrooms/3 Bathsn Offered for $585,000

Cottages at Golden Eagle

n Coastal Living Home/Guest Hsen Views/Deep Water/Dock/Beachn Incredible location at the Bayn Offered $969,500

Cranes Creek/Bay

n Fabulous Sand Beachn Large contemporary homen Community Amenitiesn Offered for $795,000

Chesapeake Bay

n Great Summer Cottagen Beautiful Deep water lotn Close to all amenitiesn Offered for 674,000

Carters Creek

n Special “in town” Townhomen 4 Bedrooms/3 Bathsn Great room/fireplacen Offered for $335,000

Town of Kilmarnock

n Privacy by golf coursen Post & Beam constructionn Cook’s gourmet kitchenn Offered for $448,000

Indian Creek Estates Area

n Tidewater Farm House, Circa 1899n 40+ acresn Great Condition/Move Inn Offered for $549,000

Gobbler Oaks Farm

Reduced

New Listing

Super Values • Historic Rates • Time to Buy

607 Rappahannock Drive • P.O. Box 225White Stone, Va. 22578

(804) 436-9145 • 1-877-229-7772

(804) 453-5999 • 1-866-888-0676

276 North Main Street • P.O. Box 548Kilmarnock, Va. 22482

(804) 435-2482 • 1-800-525-6405

www.SandraHargett.com

Reduced

Becky Haynie(804) 436-2968becky.haynie@coldwellbanker.com

Bay View Estates

www.SearchVAWaterfront.com

Pat Meeker(804) 436-5504

patricia.meeker@coldwellbanker.com

Gorgeous Home Offering 3.9 Acres of Privacy on Corbin PondKayak to the Bay! $525,000

Locklies CreekBeautiful Home/Views

Huge Price Reduction$949,000

Reduced to$525,000

Little Wicomico RiverBeautiful New Home

Fleeton/Chesapeake BayWonderful Location/House/Views

Water Access/Views$439,000

Beth Altaffer(804) 690-2596beth.altaffer@coldwellbanker.com

GREAT LOCATION—CLOSE TO ICyCC, CHESApEAkE BAy, ANd kILmARNOCk

1 BR/1BA guest house wth great room and small

kitchenette.

dock with 2 boat lifts and kayak landing. 3’ water.

3 BR/2.5 BathWaterfront Brick Ranch

$629,000

Indian Creek Irvington Indian Creek Bell’s Creek - Corrotman River

n Perfect retirement or second home in desirable Clifton Landing

n 3 BR, 2.5bath, great room w/ fireplace, formal dining, breakfast room. Large waterside deck

n 3’ MLW, dock, boatliftn Offered for $659,900

n Gorgeous point lot on Carter’s Creekn One of few remaining lots with 50’

Siteplan. 4’ waterdepth, rip-rapped shoreline

n 204 ft. waterfront, 2+ acres. Great location.

n New price of $509,900

n Custom Brick in premier locationn Open floor plan w/ formal & casual areasn 4 BR, 4.5 baths, fabulous kitchen, 12

seat home theatern 3’ MLW, dock, boatliftn 1.6 landscaped acres

n New Southern Living Style Home on Bell’s Creek

n 4 BR, 3.5 baths, walk-out basement, detached garage with perfect guest apt.

n Offered for $849,000

New Listing

Selling homes for more than 100 years—We never stop moving!607 Rappahannock Drive • P.O. Box 225

White Stone, Va. 22578(804) 436-9145 • 1-877-229-7772

(804) 453-5999 • 1-866-888-0676

(804) 436-9145 • 1-800-525-6405

Fe b r u a r y 2 0 0 9 3 1

David Stinson, Associate BrokerCell: (804) 580-0751david.stinson@coldwellbanker.com

Indian Creek

• Best value in Hills Quarter.

• First-floor master suite.

• More than 2500 Sq. Ft.• Great community pool &

clubhouse.• Was $379,000 NOW $324,900

• Great 2 Acre Waterfront Building Site

• Rock Hole Creek• Quick Access to Chesapeake Bay• Ownership interest in Beach front

cottage• 3 to 4 Feet MLW• Offered for $275,000

• Lovely traditional home.

• Ideal southern exposure.

• Sailboat Harbor Depth. • Minutes to the Chesapeake Bay. • Offered for $649,000.

• 2 Waterfront open-point lots.• 5 Waterfront wooded sites.• Small boat depth.• Total privacy. • Close to Kilmarnock &

all amenities.• Priced from upper 180s to mid

Irvington Tranquility Dividing Creek

www.waterfrontbystinson.com

www.SandraHargett.com Sandra Hargett, Broker (804) 436-3454

sandra.hargett@coldwellbanker.com

Bay Views/Southern Exposure•Private Boat Basin/Pool•3 Bedrooms/4 Baths•Creek Room/Fireplace•Living Room/Fireplace•

Drive under garage•Gas tank for Boats•3+/- miles to Kilmarnock•Located in Ditchley Community•

Fantastic OfferPrentice Creek—Chesapeake Bay

Large Dock/Lift•Contemporary Style•Waterside Glassed Wall•Stone Fireplace•3 Bedrooms/3 Baths•

2 Car Garage•Screen Porch/Deck•Short Ride to Bay•Great Boating Area•Visit Restaurants by Boat•

New Price

Great Wicomico River—Chesapeake Bay

$1,125,000 Now $895,000!

$690,000 Now $599,000!

Selling homes for more than 100 years—We never stop moving!607 Rappahannock Drive • P.O. Box 225

White Stone, Va. 22578(804) 436-9145 • 1-877-229-7772

(804) 453-5999 • 1-866-888-0676

(804) 435-2482 • 1-800-525-6405

New Price

www.waterfrontbystinson.comwww.waterfrontbystinson.comwww.waterfrontbystinson.comFree Web Search

Featured Properties

14824 Northumberland Hwy P.O. Box 67, Burgess, Va. 22432 • (804) 453-5999 • 1-866-888-0676

Selling homes for more than 100 years—We never stop moving!

Holly Rittenhouse(804) 761-0145

holly.rittenhouse@coldwellbanker.com

Joe Hunt804-436-6020joe.hunt@coldwellbanker.com

www.BayEscape.com

Great Wicomico River Heathsville

Close to Marinas—$134,900

Cockrells Creek

Cockrells Creek—$545,000

Glebe Creek/Potomac River

Coan Harbor—$519,000

Corrotoman River

Wide Water Views —$699,000

www.yourhollyrittenhouse.comBeautiful Views of the Great Wicomico River

Wide River Views—$379,000

Chesapeake Bay Property

n Bright & open River Cottage located on 6 acresn 2 bedrooms, 2 baths, 2 fireplaces\n Perfect getaway for a summer or a lifetime.n $575,000

n Home is well maintained and private. Large great room with fireplace, formal living room, wonderful kitchen, and utility room.

n Affordable at $168,500

n Build your dream home on this Chesapeake Bay front property.

n Play on the beach, enjoy the breath taking views, fish, or what ever strikes your fancy.

n Call for further details.

Cranes Creek

Ready to Finish—$269,000

3 Bedroom Rancher—6 Acres near Lively

Fe b r u a r y 2 0 0 9 3 3

Timely Results,

Virginia Building Solutions | 834 Church Lane | PO Box 820 | Tappahannock, VA 22560Phone: 804.443.4663 | Email: info@vabuildingsolutions.com

Superior Quality,Affordable Options

www.VaBuildingSolutions.com804-443-HOME

The only Ritz Craft 5-star model center on the East Coast of VA.

“We are committed to providing a quality home and superior building system at a fraction of the time and cost”

The Bloomville 1,863 Sq. Ft—From $139,900 on your Lot!!(including site built foundation) - Call today for details!

Energy Star Rated,Low E Glass, DP50 Rated

Solid Oak Doors, Dovetail Drawer Design, 100 lb.Roller Guides

Roof-R30 Insulation,Walls-R19 Insulation,Supreme Shingles

2 x 6 Exterior Walls

2-10 Home Warranty

Fiberglass Doorswith Jamb Savers

Tappahannock display model open daily • Folly Farms model home in Warsaw shown by Appointmet

2673 Simonson Road ...Richmond County—Charming waterfront home offering panoramic views of Lancaster Creek and just five minutes from the Rappahannock River and approximately five miles from the Chesapeake Bay. “Waterviews from Every Room.” Unique waterfront property with water viws of Morattico Creek from front of property & waterfront with dock (5’ MLW), on Lancaster Creek on back side of property. 1.2 acres, 1,948 square feet of living space, 4 bedrooms, 3 baths, all interior freshly painted, all hardwood flooring has been refinished, glassed “Rivah Room,” deck, 2-car garage, 2-car carport, storage shed and paved driveway.glassed “Rivah Room,” deck, 2-car garage, 2-car carport, storage shed and paved driveway.

$499,000

Bay Quarter Shores—Charming one level home, 3-Bedroom/2-Bath, fully furnished, Dock with Boat Lift & seating for two for relaxing and enjoying the views on Presley Creek, Move-In condition, Community Amenities include Clubhouse, Pool, Tennis Court & Boat Ramp on Potomac River.

Lottsburg—419’ Waterfront, 3-Bedroom/2-Bath, Glassed “Rivah Room”, Fireplace & Built-In Book Shelves in Living Room, Sky Lights, Full Basement with Work Bench, Detached 2-Car Garage, Dock, Boat house with Boat Lift, Move-In Condition. New Price.

6519 Richmond Road (PO Box 125)Warsaw, Virginia 22572

sales@lafletcherrealestate.comL.A. “Bill” Fletcher, Broker

www.lafletcherrealestate.com 804-333-LAND (5263)

$329,500$349,000

Fe b r u a r y 2 0 0 9 3 5

Donna Erwin, Agent | 804-694-9848 | DonnaErwin@AnnMeekins.com

www.AnnMeekins.com

• 2 bedrooms; 2 baths

• Loft overlooking creek• 4 slip boat house • Screened-in dining room in boathouse

• 3 bedrooms; 2.5 baths

• Guest house• Slip for a 30+ ft. boat• Plus a slip w/ lift

Hunton Creek—Deltaville Wilton Creek—Hartfield

• 2 bedrooms; 2.5 baths

• Community pier and pool • Great views

Sturgeon Creek—Deltaville

$645,000 $320,000 $799,900

Serven River, Gloucester—69.85ac. on the Water Subdivided into 7 waterfront lots and 1 inland lot $1,500,000

Deltaville—Established Restaurant Completely equipped and furnished, Possible Owner Financing, $350,000

Burgess—4 bedroom, 1 bath needs some TLC $42,900

Real EstatePointer

Why Advertise in the Real Estate Pointer?

The Real Estate Pointer is a wonderful resource for me as a real estate agent. The large format helps me showcase my properties in great detail. The website is kept up to date and the new online “flip” version and its tools are very beneficial to customers. The experienced staff is knowledgeable and very easy to work with. I look forward to a partnership with the Real Estate Pointer for many years to come.

— Robbie Booth, RealtorShore Realty, Inc.

804-339-1504 (c) n www.shorerealtyinc.com

Amazing 3,500 sqft Farmhouse, 4 bedrooms 3 baths, 3.9 acres overlooking Nomini Creek,

$995,000, 4 Lots $369,000 - $429,000

Piankatank River, 5 ac lot, approved site plan and house plans available

$795,000

Windmill Point, Condo, 2 bedroom, sand beach, panoramic views, furnished

$389,000

Up close shot of Nomini Creek home$995,000

Fe b r u a r y 2 0 0 9 3 7

Wilton Creek just of the Piankatank River, Log Home 3.42 acres $750,000

Fleeton Point, 4300 sq. ft. 1.5 ac, amazing views $1,269,000

Urbanna Creek3.25 ac, main house, garage with apartment,

boathouse, amazing views $775,000

Westbay (c) 3,000 sqft Townhouse, Gated Community, Pier with 7’mlw, Pool, just off

the Bay $795,000 & $995,000

77 King Carter DriveP. O. Box 676Irvington, Virginia 22480804-438-9303Suite 1, 51 Cross StreetP. O. Box 699Urbanna, Virginia 23175804-758-9601

Otter Ponds- 13 ac, 4400 sq ft home, on the Eastern Branch of the Corrotoman River

$2,595,000

Contemporary Home, Incredible Views, deep water pier $1,495,000

Prentice Creek just off Dividing Creek & the Chesapeake Bay, home, garage, studio, pier

with 4’ MLW $875,000

New construction, 3 bedrooms, open floor plan, basement, development just off the

Great Wicomico $329,000

Fe b r u a r y 2 0 0 9 3 9

Fleets Bay 3 ac building site ready for your dream home $395,000

Mosquito Creek Building site

Rappahannock River custom designed home, 1.6 0 acres, many extras. $1,295,000

Yecomico River, open floor plan, pier, ready to move in. $725,000

Queens Creek Cottage - 2,000 sq. ft. restored, boatramp, pier, 3 car garage, large

yard $449,500

Gwynns Island Home with boatslips $749,000

3.7 ac building site $495,000

Great Wicomico River & Tipers Creek Lots1.45 ac Great Wicomico Bluffs, Lot 8 $425,0002.26 ac Tipers Creek, crab shed & pier $650,000

Stutts Creek, 2 incredible homesNew construction 5400 sq ft $1,600,000

3,000 sq ft contenporary $1,195,000

Fe b r u a r y 2 0 0 9 4 1

Windmill Point - Building lot 7+ ac, amaz-ing water views, garage/workshop, pier

$725,000

Corrotoman River - amazing 4,000 sq ft custom designed home, 4 bedrooms, com-

munity ammenties, pier $1,250,000

Lewisetta - Yecomico River just off the Potomac River, 3.2 ac, 4,000 sq ft home,

community ammenties $1,150,000

Gwynns Island - 3,150 sq ft , on Barnes Creek, 4 bedrooms, 3 baths, 2 car garage.

$769,950

Irvington Farmhouse - 2 bedroom, 2 baths, backs up to the Vineyard, great landscape.

$399,000

Cobbs Creek - on the Piankatank River, 3 bedrooms, 2 baths, great room, incredible

panaromic views $725,000

Cobbs Hall - on Dividing Creek, deep water building sites, 900,000 - 975,00018 acre off water site $125,000

Reedville - Cockrell Creek, restored home, garage, pier $850,000

Fe b r u a r y 2 0 0 9 4 3

Reedville Fairport Road - 2 bedroom, living room, dining room, kitchen, bonus room,

incredible landscape, $149,900

Irvington Cottage - 2500 sq ft, Country living house of the year, 3 bedrooms, 2

baths, walk to town and marinas $549,000

Irvington Tent, 3 bedroom, great room-kitchen, sun room, walk to town on the

White Fences Vineyard $449,000

Irvington Cottage, 3 bedroom, 2 baths, living room, dining room, family room,

sunroom, walk to town and marinas $525,000

Fe b r u a r y 2 0 0 9 4 5

Rare find. Charming farmhouse on the creek with large private yard. Tastefully restored. Pretty creek views. Small boater or kayakers paradise. $288,500. Call Mike @ 804-695-4803

Sloop Creek—Mobjack Bay

Protected harbor. Tastefully remodeled interior. Home is 2700 sf and offers two living areas, separate dining room,updated kitchen. Nice open floor plan for entertaining. New 2-level deck off sunroom. Bunk room for addt’l. bdrm space. Two car attached garage. Pier w/boat and jet ski lift. $796,000. Call Mike @ 804-695-4803

Two story gray brick French provinicial home. 3 bdrm, 2.5 baths. 2800 sf. Cathedral foyer and liv. room. Kitchen, great room combo with gas log fireplace. Formal dining room. Upstairs offers 3 bdrms and huge game room. Downstairs master has private deck. Bulkhead shoreline, pier w/jet ski lift. $597,500. Call Mike @ 804-695-4803

New home. Cathedral ceiling & stone faced fireplace in great room. Kitchen boasts maple cabinetry, granite counters & Jenn Air stainless appliances. Screened porch & deck on water side. In upscale neighborhood on private wooded lot on a creek off Potomac. $549,300. Call Laura @ 804-694-9145.

Open floor plan. Spacious Rooms. Wide doorways and hall. Ample storage throughout. Public water access w/easy access to the Chesapeake Bay close by. Limited views of Hills Bay. $229,000. Call Laura @ 804-694-9145

Stunning wide bay views and white sand beach make this a wonderful summer place or all year home. Well maintained and featuring 4 bdrms, 2 full baths w/2 bdrms, 1 bath on 1st floor. Renovated in 2004. All appliances and furniture convey. $697,537. Call John Caperton @ 804-370-8695

Well built and maintained. Nice yard consisting of 1.3 acres. Central air. Brick fireplace in family rooms. Lovely refinished hardwood flooring throughout. Eat-in kitchen. Dining area. 3 bdrms. Large attached garage. Home warranty conveys. Reduced to $192,000. Call Nancy @ 804-694-7017

Bay and River Real Estate, LLC.Serving You in Two Locations—Mathews & White Stone

www.bayandriver.com

Bungalow in Holly Beach. Water access, pier and boat ramp to the Piankitank River. Workshop and storage areas. Small boat and travel trailer to convey. Current septic is 4 bdrm. Recreational use now; build later. $74,900. Call Laura @ 804-694-9145

Fisherman’s Delight

Big Views to the Chesapeake BayQueens Creek—Chesapeake Bay

Heathsville—Potomac Drive

Brand New Rancher

Chesapeake Bay Beach House

Brick Home—Well Maintained

For the Waterfront Land LoverBeautiful 1.5 ac. lot in quiet neighborhood on Cobbs Creek. Breathtaking views of Cobbs Creek out to the Piankitank River.Septic, well and pier installed. Good water depth of 8ft± MLW. Call Laura @ 804-694-9145.

252 Main St.,Mathews 804-725-2292

434 Rappahannock Dr., White Stone

804-435-2294

n Online, 24 hours a Dayn Live Web & Email Links

24/7365

www.realestatepointer.com

New Online Flip Version

804-443-0330 • realestatepointer@gmail.comPO Box 2564, Tappahannock, VA 22560

Very well-kept home within 1 mile from public boat landing. 3 bedrooms, large

great room, hardwood floors, built-ins, porch, grilling area, formal living

room,laundry room & 2 car garage w/storage. Stores, restaurants, golf & marinas very close by.—$175,000

Beautiful Brick Ranch

A Wonderful location for this home. Features: 3BD, 2 BA, open floorplan, catherdral ceilings, bright kitchen, laundry room, huge back deck, front porch & more. On a peaceful 1.5 acres, very close to golf, restaurants, public boat ramp & stores. —$175,000, Owner/Agent.

Home with lots of potential for starter home or rental property. Wood floors,

brick chimney, vinyl siding, some built-ins, basement, a large pole barn.Almost

1 acre of land & nearby towns. Sold as-is—needs a little TLC but wonderful

possibilities.—$99,900

A great summer cottage directly across from the Potomac River. 24 X 8 covered deck, wooded lot, & 2 sheds. Nearby community pool, clubhouse, fishing pier, golf driving range, tennis & boat ramp—Save $25,000. now $149,900.

Fixer UpperNew Home

Waterview Cottage

Robbie Booth804-339-1504 www.shorerealtyinc.com

Angels Watch is an exceptional equestrian farm (turn-key condition) offering a

charming, architect designed stunning brick home paired w/ state-of-the-art horse

facilities. Home 4,560 sq ft., sunroom, patio, deck, paved drive, office, 5 BR, 3 BA, 24.58

acres, 4 stall Morton barn with all bells & whistles, 30x40 2 bay garage, 1 car attached

garage, 100 x 200 riding area, 60ft round pen, Approx 7,000 ft of fencing, & Much

More! Visit website for more photos & details.—$798,000

Angels Watch

Land For Salen 3.8 wooded acres: Peaceful setting w/ stream, Richmond Co.—$29,950n Waterview Lot: Across from Potomac River, great community &

views!—$69,999n Several Water-Access lots in great community starting at $32,000n 2 Water-access lots, walk to pool & marina, perked, ready to build—$36,000

n Waterfront: Beautiful park-like setting, Very nice area, Views!!—$149,500n Waterfront Lot: 1.34 acres lightly wooded, deep water, new

community—$250,000n Waterfront Steal: 1.52 part wooded acres- Lancaster Co.—$89,500

n Warsaw: 1.57 acres on Rt 360, several buildings, a rental & many possibilities—reduced $199,500

n Burgess: 3.94 acres on Rt 200, like new 3,200 sq ft building, 3BDR septic, A2 w/many uses—$199,500

Commercial

Morning Glory Farm pairs a like new, classy Victorian style home with a true working horse farm. Features: 2001 Custon Built home with all the ‘bells & whistles’, huge 2001 Barn. Master 84X36 barn with 11 stalls, 16.798 gently rolling acres with fencing, pastures & riding rings. Perfectly located in the heart of the Northern Neck of VA this property offers Country, traquil living at its best. You will be amazed that such a beautiful, unique home & turn-key horse farm exist for this price.—$498,850

Morning Glory Farm

Very nice Waterfront lot with a park-like setting of grass & mature trees. In a peaceful setting of fine homes. On a

protected cove & w/good views looking into the Potomac River & Bay. Walk to community Beach & Boat ramp. New

prices saves $40K!—$149,500.

Beautiful Waterfront Brick Rancher on a grass knoll along a protected cove of the prime Coan River. Features: 3 BDR, 2BA, great room, gas logs, MBR his/her closets, dual-sinks, built-ins, crown molding, all appliances, front porch, new roof, laundry room & a huge 72 x 27 walkout basement with a garage door! On 1.41 acres w/ a wide pier, heavy gauge vinyl seawall, 2 driveways & peaceful setting. This price is over $150,000 off from when previously on the market.—$448,000.

Potomac Bay Estates Coan River

Reduced

New Price

Eagle River Construction is a Class A Contractor with offices in both Lottsburg and Richmond, VA. We are here to serve your needs with more than 65 years of combined industry experience.

We’re best at what we do—building dreams.

Eagle River Construction is a Class A Contractor with offices in both Lottsburg and Richmond, VA. We are here to serve your needs with more than 65 years of combined

Building Dreams

The Staff, Crews, and EquipmentTo Make It Happen

Residential • CommercialNew Homes • Additions • Remodeling

2008 - Voted Best Contractor in the Northern Neck and Middle Peninsula by readers of the Northern Neck News, Westmoreland News, & the Northumberland Echo

www.eagleriverconst.com

P.O. Box 440, Lottsburg, VA 22511

804.529.5700 office

804.529.7171 fax

Real Estate Pointer - Feb2009

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