January 2010 Real Estate Review - Northern Neck of Virginia

E E FR Photo By Kathryn Murray

To See Your Home In This Magazine, Have Your Realtor Call 804-462-0099

PAGE 2

Say You Saw It In Real Estate Review

FRANK HARDY, INC., REALTORS Chesapeake Bay Office Elizabeth Johnson, Broker (804) 240-5909

Frank A. Johnson (804) 815-8722

Karin Andrews (804) 445-5500

ejohnson@oonl.com

fajohn@oonl.com

karinandrewsrealtor@hotmail.com

SAILBOATER'S DELIGHT

WATER ACCESS - MARYFIELD

Dividing Creek – Spectacular view to Chesapeake Bay. Sailboat depth water. Dock at your door. Lovely 3 BR, 3 BA river home. Screened porch. 2 garages.

Community pool and recreation area……..$879,000.

Tappahannock – Gorgeous 3 BR, 2 BA home, spacious 1st floor master, beautiful great room, 9' and vaulted ceilings.

Patios, decking, screened gazebo/hot tub, 2 car garage.

Large yard on cul-de-sac - close to town. Deeded water access. Call Karin Andrews (804) 445-5500……...$448,000.

NORTH RIVER GEM

Mariner’s Watch – Breathtaking view, North River to Mobjack Bay. Private beach, dock, 5 acres. Spacious 5,100 sq. ft.. Deck, screened porch. Designed for entertaining. Pretty landscaping, 3-bay garage. Beautiful sunsets.…$1,199,000.

Kelly House c. 1840 – Antebellum Virginia planter’s house with addition. Restored, new systems. Heart pine floors, center hall. Charming home in village of Deltaville. Beautiful landscaping.………….$469,000.

Deltaville – Irresistible, 3 BR, 2 BA brick home with lots of panache! Beautifully decorated. Sold furnished. Great location. Deeded water/beach access. Small water view. Fireplace, sunroom.

2 car-garage/workbench, shed………….$278,750.

Deltaville – Waterfront, excellent elevation and deep water dock. Bring sailboat. 2,500 sq. ft. home on 2 acres. Beautiful views. 2-bay garage. Owner ready to sell, make offer!…………………..$895,000.

SAILBOAT HAVEN

RIVAH RETREAT

Golf Course – Custom 2 story, 3BR, 3BA brick front transitional. Bright kitchen, office, bonus room. 1st floor Master. Screened porch overlooks 8th fairway.

Lovely landscaping. Large lot…………….$589,000.

Deltaville – Gorgeous transitional home on beautiful 3.68 ac. waterfront lot with privacy, views, and pier. 3 BR/3 BA. 1st floor MBR. Game room and study. In the middle of Deltaville. Walk to everything. Call today!………………..$899,000.

www.WaterfrontandEstate.com

PAGE 3

Say You Saw It In Real Estate Review

TOM KIMMITT www.NorthernNeckRealEstate.com

Each Office Is Independently Owned and Operated

Heathsville (804) 453-9081

Offices in Northumberland & Lancaster Counties

“Doggy Daycare Available”

“Your online resource for Northern Neck real estate information including aerial photos, free detail maps, Bay Act info, community events and real estate listings”

www.NorthernNeckRealEstate.com

The Real Estate market is coming back - start looking now at www.NorthernNeckRealEstate.com

Heathsville

Heathsville

Secluded Potomac Riverfront getaway or full time contemporary 3 BR home on 1.5 wooded acres with in-ground pool, armour stone riprap, gourmet kitchen, open floor plan with lots of glass overlooking the Bay and River $675K - Heathsville

Outstanding custom built brick rancher with attached garage on the Great Wicomico River, a few minutes from the Bay with deeded deep water slip on a protected harbor. Wide views, bulkhead installed, sand bottom.

Priced to sell at $885,000.

Farnham - Perch Creek Estates - Lot 1

Heathsville Waterfront Lot -

Just reduced 60K to 150K - 8 acre (includes homesite, bottom and wetlands) semi-secluded waterfront lot with 2-3' MLW, driveway and electric in place and septic letter on file. 3 lots - Owner Financing Possible.

1 acre point lot on Cubitt Creek with long and wide views only $145,000.

NEW LISTINGS - 5 new water access lots in Northumberland County from 25K-42K. Builder owned - will build to suit.

PAGE 4

Say You Saw It In Real Estate Review

MIDDLE BAY REALTY

1-800-529-5122 804-453-5380 or Cell: 804-761-7318 email: SJones@middlebayrealty.com

Steve Jones

CHESAPEAKE HARBOR

WICOMICO CHURCH

3 Bedroom, 2 bath, waterfront home with 3 extra lots. $379,000. #82628 SHERWOOD FOREST

3 BR, 2 1/2 BA, 1,680 SF on 9.785 acres $375,000. #83124 GREAT WICOMICO RIVER 3 BR, 3 full BA’s, 2 half BAs, 4.6 acres, 5+ MLW. $629,000. #82919

3 BR, 2 1/2 BA, 1,900 SF, Community amenities. $299,000. #79881 HEATHSVILLE

BURGESS

3 Bedroom, 2 bath, home with 50' x 30' metal building $189,000.

2 BR, 1 1/2 BA, 1,000 + SF home with garage $139,900. #83567

INLAND, WATER ACCESS, LAKE FRONT & WATER FRONT LOTS 11 acres, Potential for 6 lots, no restrictions. #18326 $120,000.

Swann Harbor, lake lots, extremely motivated seller. #18719 & 19084 $59,000 & 69,000.

76 acres, 1 mile waterfrontage, 20+ lot potential. #83349.

WF lot, 2.28 acres, sand beach & pier. #82324 $275,000.

Swann Harbor, 0.87 acre, water access. #82341 $18,000.

Mallard Bay, 0.6 acre, lake lot. #81943 $69,000.

WF lots, mouth of Cranes Creek, starting at 225K, deep water, sandy beach, 1 minute to Bay. #79066.

WF lot, 1.02 acres, 2-3' MLW. #83843 $129,000.

WF lot, 1.15 acres, 2-3' MLW. #83792 $179,000.

Kill Neck Creek, 1.82 acres, pier, 3' MLW. #79120 $199,000.

Little Wicomico River, 2.24 acres, 4-5' MLW, 30x15 boathouse with electricity. #82308 $275,000.

Betz Landing, 2.55 ac., headwaters Great Wic. River. #19771 $89,000.

Dividing Creek, 2 lots available, 5' MLW. #79604 & #79637.

WWW.SEARCHBAYPROPERTY.COM

Salty Dog ad 9-8-09.qxd:VA Real Estate Review ad

9/11/09

2:01 PM

WE B U I L D O N YO U R L OT !

C a l l To m 8 0 4 - 5 8 0 - 2 0 5 2

www.SaltyDogConstruction.com VA Class A Contractor 2705 073918A

a division of Salty Dog Properties, Inc.

B U I L D E R O F Q UA L I T Y CU S TOM M O D U L A R H O M E S

Page 1

PAGE 6

Say You Saw It In Real Estate Review

In This Issue REAL ESTATE REVIEW IS MADE POSSIBLE WITH THE SUPPORT & PARTICIPATION OF OUR ADVERTISERS & DISTRIBUTION POINTS. THANK YOU!

Antique Properties........................................49 Bank of Lancaster ........................................20 Chesapeake Homes......................................50 Coldwell Banker Chesapeake Bay Prop.....3, 51

All real estate properties and advertisements in this magazine are subject to the Federal Fair Housing Act of 1968. Homes appearing in this magazine are available on an equal opportunity basis. Our magazine will not accept any advertisements of property which constitute a violation of law.

Neither the advertiser nor Virginia Real Estate Reviews, Inc. will be responsible or liable for misinformation, misprints, typographical errors, etc., herein contained. All information is deemed reliable, but not guaranteed.

Virginia Real Estate Reviews, Inc. reserves the right to refuse any advertising which we deem unsuitable for our publication.

Dailey Realty..................................................52

Copyright Š 2009-2010 Virginia Real Estate Reviews, Inc. All Rights Reserved. Reproduction of any photographs, artwork or copy is prohibited without prior written permission of the publisher.

Jim & Pat Carter Real Estate ......21-27, 30-32

Virginia Real Estate Reviews, Inc. P.O. Box 5344 Martinsville, VA 24115 Callie R. Martin, Publisher Kristie B. George, Associate Publisher Mike Adkins, Distribution

Darrin N. Smith, Builder................................53 EVB Mortgage & Bank ..................................19 Exit Mid-Rivers Realty ..............................9-13 Frank Hardy, Inc. ............................................2 Hometown Realty ....................................14-15 Hutt Realty................................................16-18 Joe Self Realty ........................................33-35 Mason Realty............................................36-37 Merry Point Development Co........Back Cover Middle Bay Realty ................................4, 38-41 Mitchell Homes................................................7 Northern Neck State Bank & Mortgage........54

The index is an additional service provided by the publisher. No liability will be assumed or credit granted for errors or omissions.

Port & Starboard Real Estate ......................43

For Advertising Information CALL 1-877-462-0099 804-462-0099 Fax# 276-956-5923 E-Mail: nnrer@comcast.net Next Deadline: January 6, 2010

Rivah Realty ............................................44-45

Quality Construction ....................................48 Salty Dog Properties ......................................5 Shore Realty ............................................46-47 Turney & Turney ............................................55

We Build On Your Land!

NO CONSTRUCTION LOAN NO DOWN PAYMENT and NO CLOSING COSTS

Mathews II

. Huge savings for a limited time only! FREE BROCHURE and . 30+ fully customizable floor plans FREE PRE-APPROVAL or bring your own custom plan VISIT OUR WEBSITE . Priced from the $80,000’s or CALL TODAY! . Quality ‘stick-built’ construction . Serving 70+ Virginia counties

800.654.3222

and cities for over 17 years

Sale

of a Lifetime!

W W W . MITCHELLHOM ES IN C . CO M

PAGE 8

Say You Saw It In Real Estate Review

Say You Saw It In Real Estate Review

PAGE 9

Carey Hicks 410-952-8222 (Cell) 804-493-0024 (Office) careyehicks@hotmail.com www.careyehicks.com

EXIT MID-RIVERS REALTY C PE O N N D T IN R G A C T

RICHMOND COUNTY - This 4 years young incredibly custom build brick one level ranch home on lovely partially wooded 5.094 acre lot is available at a wonderful price. This home features three bedrooms, 2 full baths with a possible third bath. This home has all the bells and whistles. The master bedroom and bath is large enough to live in alone. Some of the other features are the family room. Seller will help with buyer’s closing costs. $289,000

START THE NEW YEAR OFF WITH A NEW PERSPECTIVE! Let me help you accomplish last years resolution to Sell you Current Home so you can move into a New Home.

Call me on my cell for a confidential inter view.

LETS WORK TOGETHER.

YS D DA N A 15 LD IN SOED L TT SE

C PE O N N D T IN R G A C T

WESTMORELAND COUNTY - A BUILDER’S DREAM Four lots, Parcel B 1.0422 acres, Parcel C 1.89091 acres, Parcel D .05739 acres, Parcel E 05739. Total 3.99 acres. Sold as a package only. Parcel D and E are the water front lots. All RICHMOND COUNTY - 4.4406 Acres. Beautiful wooded Stratford Harbor amenities, swimming pool, tennis, clubhouse level building lot. Previously Perked for 3 bedroom home. for meetings and weddings, and marina are available. $435,000 Fronts on Piney Grove Road. $29,000

HORSE LOVERS TAKE NOTE! - Lovely home on over 60 acres with barn, stable, and fenced in pasture. Open floor plan, handscraped plank floors, bead board, and two fireplaces. Property backs Mt. Landing Creek. Special financing and incentives. $410,999

First Time Home Buyers!

You may be eligible for 100% financing and no closing costs, plus receive up to $8,000 cash. Tax credit has been extended until April 2010.

PAGE 10

Say You Saw It In Real Estate Review

Teresa Russ,

ABR

Sales Associate

(804) 472-3756 (Home Office) 804-339-2923 (Cell)

EXIT MID-RIVERS REALTY

TAPPAHANNOCK - RAPPAHANNOCK RIVER WATERFRONT - VIEW IS UNBELIEVABLE Quality home along waterfront of fine homes - 4 Bedrooms, 5 garages (1 attached) (4 detached) Convenient to stores and restaurants. $895,000 Make An Offer

RICHMOND COUNTY - SHARPS WATERFRONT - 2.79 ACRES WITH 17 BOAT SLIPS - $259,000

WESTMORELAND COUNTY - CABIN POINT WATERFRONT .259 ACRE - $229,000

NORTHUMBERLAND - BAY QUARTER SHORES 3 BR, 2 1.2 BA CAPE COD HOME IN GREAT WATERFRONT COMMUNITY WITH LOTS OF AMENITIES - $255,500

WESTMORELAND - COLES POINT - RAGGED POINT 2 BR, 1 BA BEACH COTTAGE WITH WATER ACCESS TO POTOMAC RIVER - $108,000

COLONIAL BEACH - BEACH BUNGALOW - UPDATED INSIDE RIGHT ON BEACH AND BOARDWALK - GREAT PLACE FOR A WEEKEND GET-A-WAY - LOTS OF ACTIVITY IN COLONIAL BEACH - $449,000

LANCASTER COUNTY - BEAUTIFUL SETTING FOR THIS 3 BR, 2 BA BRICK RANCH WITH GARAGE - $240,000

email: tjruss@northernneckhomes.net www.northernneckhomes.net • www.exitmidrivers.com

Say You Saw It In Real Estate Review

Teresa Russ,

PAGE 11

ABR

Sales Associate

(804) 472-3756 (Home Office) 804-339-2923 (Cell)

EXIT MID-RIVERS REALTY

DRIFTWOOD RESTAURANT - OWNERS WANTING TO RETIRE - GOOD CHANCE FOR TO OWN YOUR OWN BUSINESS - WINNER OF MULTIPLE "BEST OF" AWARDS - LONG-STANDING REPUTATION - QUALITY FOOD BEEN IN FAMILY OVER 25 YEARS - VAST FOLLOWING OF CUSTOMERS - IN THE BEAUTIFUL NORTHERN NECK - SEATS 100 PEOPLE - ANY SERIOUS PROSPECT MAY CONTACT LISTING AGENT FOR MORE DETAILS

TAPPAHANNOCK - OLD CREEK - BEAUTIFUL 3 BR 2 BA BRICK RANCHER ON LOVELY 20 ACRE POND HARDWOOD FLOORS - QUALITY BUILT - $255,000

ESSEX COUNTY - TAPPAHANNOCK - COMMUNITY OF FINE HOMES - BEAUTIFUL 3 BR, 2 BA HOME OVERLOOKING LAKE WITH AN ABUNDANT OF NATURE; FANTASTIC LANDSCAPING, EVERYTHING IS NEAT, CLEAN AND WELL MAINTAINED - DON'T MISS THIS GREAT OPPORTUNITY - $259,900

WATERFRONT - COLONIAL BEACH - ABSOLUTELY GORGEOUS HOME IN NICE SUBDIVISION ON ROSIER CREEK WHICH GOES OUT INTO POTOMAC - THE HOME IS APPROXIMATELY 3,000 FT OF LIVING SPACE, BASEMENT, PATIO, BOATLIFTS - $659,000 WESTMORELAND - STRATFORD HARBOUR LOTS - $32,000; $37,000 RICHMOND COUNTY - FARNHAM - 13 ACRES - $121,900 NORTHUMBERLAND COUNTY - BURGESS - 4 ACRES - $47,900 NORTHUMBERLAND - BAY QUARTER SHORES TO 3 LOTS - 2 ENGINEERED PERKS - $60,000 WESTMORELAND - RAGGED POINT - 3 LOTS - $47,000

email: tjruss@northernneckhomes.net www.northernneckhomes.net • www.exitmidrivers.com

PAGE 12

Say You Saw It In Real Estate Review

Charlie Stuart 804-761-0980 (Cell) • 804-493-1888

EXIT MID-RIVERS REALTY

BUSHFIELD RD-MONTROSS: First time home MALLARD CT.-CABIN POINT: New, near complebuyers, vacation cottage or rental investment. Nice 2 tion, 3 bedroom, 2 full bath ranch on beautiful lot. bedroom, 1 bath home on 1 acre. Asking $63,500.

Water-oriented community, only $149,000.

MEADOW VIEW LANE, COLONIAL BEACH: New construction by one of the area's best builders. Lots of LOWE DRIVE, HAGUE: Recently remodeled space, 2 1/2 baths, stainless steel kitchen appliances, 3 bedroom, 2 bath ranch on one acre. Appliances convey. All for $129,900. garage, convenient location. Asking $189,000.

GARDY'S LANE, CALLAO: Country cottage on +/- 3.81 acres. Very large living/dining area and nice side porch overlooking a large wooded area. A small part of the property line borders on Gardy's Mill Point. Would make a nice weekend retreat or year round country living. Reduced to $119,900.

NEENAH RD., MONTROSS: Over 14 acres of open and wooded land. Great for investment, growing crops, hunting, or build a country home. Only $95,000.

NEENAH RD, MONTROSS: 15 acres of open and wooded land.

Great for investment, growing crops, or build a country home.

Only $110,000.

THINKING ABOUT SELLING? CHECK OUT OUR UPGRADED MARKETING STRATEGY. CALL TODAY FOR DETAILS.

www.northernneckhomes.net • www.exitmidrivers.com All Offices Independently Owned and Operated

PAGE 13

Say You Saw It In Real Estate Review

George Runkle 804-493-7356

Chris Mundy 301-651-3375

EXIT MID-RIVERS REALTY

COME TO THE WATERFRONT COMMUNITIES OF WESTMORELAND COUNTY. NOT FAR FROM SOUTHERN MARYLAND, WASHINGTON, D.C. AND RICHMOND. GREAT AMENITIES, GREAT PRICES. Waterview/waterfront home on double lot overlooking the Potomac. 2 fireplaces to include in master bedroom. Fantastic views all the way to Maryland. Great community amenities. Sellers doing renovations. Buy now and finish the remodeling with your own touches. Only $279,000.

Large home with garage and basement near Lake Independence in the Potomac River community of Stratford Harbour. Two beaches, marina, 110-acre lake as well as river, clubhouse and pool. Walk to lake or boat on the Potomac.

Only $329,000.

Two level home on the Potomac and inlet. Great views, shows like model, has own pier. Great community with lots of amenities. $579,000.

We have numerous lots and home listings throughout the Northern Neck to fit any budget. Call us!!!

15034 Kings Hwy, Montross, VA 22520

PAGE 14

Say You Saw It In Real Estate Review

JEFF BROOKS 804-445-1395 “The Exceptional Exception”

P.O. Box 2576 • 521 Church Lane Tappahannock, VA 22560 e-mail: jeffbrooks@hometownrealtyservices.com

ESSEX COUNTY ~ Rappahannock River waterfront 4 miles North of Tappahannock. 3 bedroom, 2 bath brick rancher with sunroom, sand beach and a beautiful view. Asking…$385,900.

3 bedroom, 2 1/2 bath brick rancher with full walk out basement situated in a quiet country setting 10 minutes from St. Stephens Church. Home features a first floor master, a new roof, replacement windows, formal dining and living rooms, hardwood floors, a finished basement with masonry fireplace and 1/2 bath. Asking…$205,000.

TAPPAHANNOCK ~ 2 bedroom, 1 bath rancher on a 1+ acre private lot in town. Home features hardwood floors, wide moldings, a masonry fireplace, a full unfinished basement with rough in for bath, a paved drive, a garage, a storage shed and more. Asking…$145,000.

D CE U D RE

TAPPAHANNOCK ~ 1600 sq. ft. 3 bedroom, 2 1/2 bath rancher with sun porch and attached garage conveniently located in the town of Tappahannock. Property features a masonry fireplace, walk-in closets, a formal dining room, ceramic tiled baths, a new roof and more. Asking…$215,000.

TAPPAHANNOCK ~ Convenient to all Tappahannock amenities. Quiet, no through traffic and backed up to a wooded area.

This home features a sun porch, den, a paved drive, a 2 car garage, a low maintenance exterior and much more. Home sold as is…$150,000. REDUCED!

ESSEX COUNTY ~ Church in need of more space is relocating presenting a rare opportunity for a smaller group. Located just outside of Tappahannock at Bray’s Fork. Property features a large meeting area, offices, a class room, central heat and air, and ample parking. Asking…$270,000.

ESSEX COUNTY ~ Remodeled 4 bedroom rancher 10 minutes from Tappahannock features replacement windows, refinished hardwood floors, new kitchen cabinets and appliances, and new bath fixtures. Asking…$149,000.

TAPPAHANNOCK ~ RIVERSIDE CONDOMINIUM ~ 2 bedroom, 2 bath unit features a large family room, generous closet space, additional storage, a balcony, a pool, a pier, covered parking and a sand beach. Asking...$325,000.

ESSEX COUNTY ~ New Construction - 1400 sq. ft. 3 bedroom, 2 bath rancher on a 1 acre lot only 10 minutes from Tappahannock.

Asking…$169,000.

PAGE 15

Say You Saw It In Real Estate Review P.O. Box 2576 • 521 Church Lane Tappahannock, VA 22560 (804) 443-0067 - (800) 443-4707

PAT GATEWOOD “The Exceptional Exception”

(804) 443-5639 • (804) 339-5721 patg@hometownrealtyservices.com Website:www.PatGatewood.com

Happy New Year

860 MONTAGUE ROAD, LANEVIEW, VA Lovely rancher situated on 1.8 acres surrounded by trees. Features 3 BR, 2 BA, fireplace in living room, beautiful deck to enjoy 27' round above ground pool, 2-car detached garage. Maintenance-free exterior. Priced to sell at $199,000.

Call Pat for an appointment to see this new listing!

1158 SETTLERS LANDING DRIVE ~ TAPPAHANNOCK, VA

Great 2BR, 2BA single-story unit in Settlers Landing townhouse community. This home has been upgraded & is extremely clean and nicely decorated. Open floorplan w/cathedral ceiling makes the kitchen & LR into one great room. Det. storage shed in back.

Reduced to $153,000. CALL TODAY FOR MORE DETAILS & A SHOWING OF THIS GREAT HOME!

1623 STONES ROAD, WALKERTON, VA Great home for the 1st Time Homebuyer, Retiree, or Investor. Eligible for the $8,000 1st Time Homebuyer Tax Credit. 3 BR, 1 BA totally renovated 1104 sq. ft. rancher located on Stone’s Road just off of Walkerton Landing Road. Just 15 miles from Tappahannock and 3 miles from Walkerton. New fixtures and all new kitchen appliances. Reduced to $147,000. Call Pat today for a showing!

217 DUKE STREET ~ TAPPAHANNOCK, VA Quality-built 2,223 sq. ft. cape cod located in beautiful historic Tappahannock. Features pine floor, wide mouldings, 9 1/2 foot ceilings.

Zoned business/limited, but can be used as a home business/residence.

Currently being used for a chiropractor’s office. Great investment opportunity. Priced @ $375,000.

Call Pat today for an appointment to see this great listing.

PAGE 16

Say You Saw It In Real Estate Review Serving The Northern Neck Area

REALTY, Inc.

HUTT

Charlotte H. Hutt - Owner - Broker

Member MLS and MRIS Box 66 • Montross, VA 22520 WE AIM TO PLEASE!!

Member Multiple Listing Service

O: 804-493-8994 H: 804-493-9003 FAX 804-493-8968

E-mail: charlotte@huttrealty.com Web: huttrealty.com

Happy New Year!

COLES POINT WATERFRONT GORGEOUS SUNSETS & VIEWS OF WATER TOO! This home offers great views, long and wide.

Brick home with 2 car attached garage and detached 30 x 40 workshop.Three bedrooms, 2 1/2 baths, sun room, living room, and master bedroom overlooking water with decks.

5.39+/- acres nicely landscaped. $599,900

WESTMORELAND COUNTY

-This is two houses in one. You can have two families with each having a private home. 7 bedrooms, 4 full baths and 1 half bath with 2.25 acres near Hague and Drum Bay. Water access is nearby. $495,000.

-This property can also be purchased with 31 + acres for $655,000 and you will have plenty of privacy.

WESTMORELAND COUNTY This 2 BR, 2 bath house has been updated. Great view of Lower Machodoc. New rocked seawall, new pier with 4' MLW. Good neighborhood, nicely landscaped with beautiful lawn. $549,000

MONTROSS

318 ST. PAULS ROAD ~ WARSAW

New roof, new windows, new paint job, 3 bedrooms, 2.5 baths on .90 acres. Detached 2 car garage, 22x24 and block building, 20x40. $189,000

9.15 ac. with double wide 1710 sq. ft. Second home is farm house that needs some work. 4 bedrooms and 2 baths, most of land is open. Pole shed. Great property for investment. $225,000

This two bedroom Mobile home is like new w/nice pier wired for boat lift, MLW. Good fishing & crabbing. Great Views, with double car port. Shed w/electric. Loading & unloading for small boats & jet skies. Within 5 min. Best fishing in Potomac.

Protected creek, straight across from St. Mary’s Md. $259,000

This is a great lot with 900'+ waterfront, pier. 5+ ft. MLW. $499,000

WATERFRONT ~ $249,000 This is one of three lots available on the Lower Machodoc, Potomac River. Rare Find. Lots with Water Depth, Sand Beach, Rocked Bulkhead, Wide & long views, protected shoreline, evening sunset. Great Value!

NORTHUMBERLAND COUNTY

RICHMOND COUNTY This Victorian 2 story home on 7+ acres in good condition is a must see. 3 bedrooms, 1.5 baths, newly painted with new range, 2 new heat pumps, upstairs & down, new lot water heater, hardwood floors, one fireplace and large shed. $239,000

PAGE 17

Say You Saw It In Real Estate Review Serving The Northern Neck Area

REALTY, Inc.

HUTT

Charlotte H. Hutt - Owner - Broker

Member MLS and MRIS Box 66 • Montross, VA 22520 WE AIM TO PLEASE!!

Member Multiple Listing Service

O: 804-493-8994 H: 804-493-9003 FAX 804-493-8968

E-mail: charlotte@huttrealty.com Web: huttrealty.com

Happy New Year!

WATERFRONT Great views of the water with this like new home in excellent condition and beautifully landscaped. First level kitchen, dining room, living room, 2 1/2 baths, 2 master bedrooms, huge deck. Lower level has kitchen, living room, bedroom and possible second bedroom or office, full bath. Porch, pier with 3' MLW. 3 car garage with automatic door openers, insulated, heated and cooled with heat pump. 2 sheds, carport, and paved drive. $495,000

WESTMORELAND ~ GLEBE HARBOR Great views of Glebe Creek, Lower Machodoc, & Potomac, Pier with boat lift, large deck on the water & boat storage house, lots 20 & 21, section 2. Family room with see through FP, sunroom, large kitchen, 3 BRs, 3 BAs, two car detached garage on two lots. $429,000

WESTMORELAND COUNTY

WHITE SANDS HARBOR ~ $175,000

Just Listed. Two story cape cod with 4 bedrooms, 2 baths. Eat-in kitchen. New paint and carpet. Close to Fredricksburg and Dahlgren. $185,000

This 2 Bedroom, 2 bath home is custom built with many up grades. you have to see it inside to appreciate the quality.

Amenities include: sand beach, boat ramp, and picnic area.

!

ED

C DU

RE

MONTROSS Brick home in good condition, hardwood floors, new kitchen cabinets, fireplace, first floor bedroom, screened porch, large shed and nicely landscaped. $175,000

CABIN POINT ~ WATERFRONT Great condition, 3 bedroom, 2 bath home with wide long water view. Home comes furnished, screened porch, deck on water, pier with boat lift. Great Vacation or full-time home. $399,000

D!

E UC

D

RE

11.79± wooded acres with septic, well, & 2 bedroom travel trailer.

WESTMORELAND CO. ~ $1,995,000 Waterfront - 2,000 ft. 34± acres - farm buildings. 85 acres open & Peaceful & quiet with lots of wildlife. $99,000 300+ woodland. Marketable timber, great hunting.

• • • • •

Westmoreland Co. 19.082 +/- acres with 10 acres open and on paved road. Suitable for horse farm. $129,000 Westmoreland Co. 42.64 +/- acres, mostly open and being farmed. $215,000 Westmoreland Co. 10.729 +/- acres. open and wooded. Great for a nice private home. $79,500 Westmoreland Co. 131.21 +/- acres, open, level & wooded. $489,000 Kinsale. 20 acres of farm land with 7 acres woodland. Mobile home with three bedrooms, 2 baths which needs a lot of work. $219,000

PAGE 18

Say You Saw It In Real Estate Review Serving The Northern Neck Area

HUTTREALTY, Inc. Charlotte H. Hutt - Owner - Broker

Betsy Sisson

(O) 804-493-8994 • (H) 804-493-9003 804-493-8994 • (H) 804-472-2657 (Fax) 804-493-8968 Box 66 • Montross, VA 22520 charlotte@huttrealty.com betsysisson@huttrealty.com WE AIM TO PLEASE!! Member Multiple Listing Service Member Multiple Listing Service Member MLS

New Waterfront Home-Stratford Harbour Bank Owned Property Reduced to $489,000

Montross - Westmoreland Co. ~ $295,000 Ranch split level home with 7 bedrooms, 4 baths. This was a lodge for years and housed many people. Cottage has 2 bedrooms and one bath. Second cottage has 2 bedrooms and one bath. Two car garage, large fireplace with has logs. Well maintained. Great Price!

SPACIOUS NEW HOME WITH WOOD FLOORS AND BEAUTIFUL WOODWORK. FINISHED WALKOUT BASEMENT WITH FIREPLACE & BATH. SPECIAL FINANCING AVAILABLE FOR QUALIFIED APPLICANTS. MLS#81135 CALL BETSY

Westmoreland Co. ~ $675,000 112 acre farm with new modular home. Large machine shed with cement floor. 2800 sq. ft. 48 acres open land and 64.88 wood land with same timber.

HAGUE ~ REDUCED TO $199,900 Newly renovated, 3 BRs, 2 BAs. Lovely home with great floor plan.

MLS#82664 Call Betsy Coles Point - Westmoreland Co. ~ $425,000 A like new commercial warehouse with a 3 bedroom apartment in one end. For sale or lease.

Waterfront - Westmoreland Co. ~ $499,000 Immaculate Waterfront Cottage with detached Garage. Private Boathouse, Four Covered Boatslips with water and electric, private pier, deep water protected Branson Cove off Lower Machodoc. This upscale, newly renovated home features 3 bedrooms, 2 full Baths, family room with fireplace, Dining Room. Kitchen, Laundry room & Mud room.

Glebe Harbor - Westmoreland Co. ~ $389,000 Great for weekend or year around Home. 3 BR, 2 BAs on 1 1/2 Lots. Great views of water. Lots of wildlife. Great fishing and crabbing. Large Deck overlooking water.

Must Sell! $114,995

COPLE HWY between Hague and Mt. Holly.

Spacious 3 BR, 2 BA. *MUST SELL $114,995* MLS#82088 Ask for Betsy

All of Us at Hutt Realty Wish you a Happy and Prosperous New Year!

BUILDING LOTS WESTMORELAND COUNTY GLEBE HARBOR 3BR PERC $14,900 MLS#:83387 CABINFORD .78 ACRE 4 BR PERC $14,900 MLS#:83098

Reward Checking from EVB:

Money in Your Pocket

Start earning your rewards today. Get free checking with an excellent interest rate as well as other great benefits: • A refund on out-of-network ATM fees • Unlimited check-writing privileges • No minimum balance requirements How can you become a Reward Checking customer?

Come visit us any of our 25 convenient locations, and find out why EVB is a better—and more rewarding— way to bank.

No minimum balance required, however you must deposit a minimum of $100 to open this account. Available to Personal Accounts only. Must meet certain requirements to obtain the rewards related to the account.

www.bankevb.com • 1-888-464-BANK (2265)

Unlock a Great Loan With EVB Mortgage Your Local Source For Your Mortgage Needs Proudly serving the patrons of EVB, specializing in: • Conventional Loans • First Time Homebuyers • Cash-Out Refinance • Manufactured Homes

• VA, FHA, VHDA • Jumbo Loans • 100% Financing • Construction Loans

Carla Bowles Hamilton, Loan Officer 198 Crowder Point Drive Reedville, VA 22539

(804) 453-3136

Chamilton@evbmortgage.com

EVB Mortgage, LLC is proud to be an Equal Opportunity Lender licensed by the Virginia State Corporation in VA. MLB-1025

Apply online at www.evbmortgage.com.

We have money to lend.

Lois Dawson

Serving Lancaster County (804) 435-4156 ldawson@banklanc.com

Stephanie Self

Serving Northumberland County (804) 580-2211 sself@banklanc.com

Sonja Fletcher

Serving Richmond, Westmoreland (including Colonial Beach) & Essex Counties (804) 333-3693 sfletcher@banklanc.com

Margaret Eppes Curtis

Serving Middlesex, Mathews, & Gloucester Counties (804) 435-4133 mcurtis@banklanc.com

Our residential loan specialists can assist you with: Conventional Loans • Manufactured Homes • Jumbo Loans First Time Homebuyers • Cash-Out Refinance • Construction Loans Value-added services include a Fannie Mae underwriter on staff & no prepay on most products

Customer Care Center: (804) 435-1171 Or Toll Free: (800) 435-1140 www.bankoflancaster.com Member FDIC • Federal Reserve System

burgess • Call ao • colonial beach • Heathsville Kilmarnock • Montross • Warsaw • White Stone

PAGE 21

Say You Saw It In Real Estate Review

LAWRENCE BARRACK 804-435-6161

TOLL FREE: 800-225-8298 CELL: 804-436-6109

e ic Pr

JIM & PAT CARTER REAL ESTATE, INC. email: barrack@carterrealestate.com

d ce du Re

• 3723 sq. ft. home • 4 Bedrooms • 2 1/2 Baths • 20 x 20 Sunroom • Dining room • Office

• 2 Fireplaces • 3 ft. MLW • 2 Boat lifts • Rip-rapped • Water feature • Now $829,000

d ce u d ek Re Cre e n ic Pr dia In

• Built in 1996 • 4 Bedrooms • 2 1/2 Baths • 2563 Sq. Ft. Home • 400 Amps Service • Handicap Friendly

• 800 Sq. Ft. 2-Car attached garage • Fireplace • 6 Ft. MLW +/• 347 Feet Waterfrontage

CORROTOMAN RIVER

• 1.47 acres • 1/2 mile from Town of Kilmarnock • Now $559,500

PRICE REDUCED • 966± Ft. Waterfrontage • 3.79 Wooded Acres • 3 Bedroom Conventional Perk • Private • Pier Permit - 6 Ft. MLW • Wide Views • Close to Kilmarnock • NOW $498,000

PAGE 22

Say You Saw It In Real Estate Review

LAWRENCE BARRACK 804-435-6161

TOLL FREE: 800-225-8298 CELL: 804-436-6109

JIM & PAT CARTER REAL ESTATE, INC. email: barrack@carterrealestate.com

Y TO BA S. E IN AK M 5 APE ES H C

• 2.7 Acres • 1st Floor Master Suite w/Walk Out Deck & Jacuzzi • Built in 1996 • 2nd Floor Master Suite with Loft • 2,803 Sq. Ft. Home • Tiled Utility Room • 2-car Garage & One Car Boat Garage/Workshop • Stone Fireplace in Great Room w/Wood Floors Rear Entry-All with Water Views!

• 2 Zoned Heat Pumps with Gas Back-up • Floored Above Garage • 400 Amp Service • Water Views from Every Single Room!

• Pier • Workshop - 500 Sq. Ft. • NOW $995,000 • Screen Porch - 240 Sq. Ft. • Home with Additional 2.7 Acre Waterfront lot - $1,275,000

• • • • • • • • •

2.2 Acres 2200± sq. ft. Home 4 Bedrooms 2 Full Baths - tile 1/2 Bath - wood floors Built in 2006 400 amp Service 1st Floor Master Suite Walk-in Closets

E D IC CE PR DU E R

TE VA I PR

L CE R PA

• • • • •

Stainless Steel Appliances Cherry Kitchen Cabinets Corian Counter Tops Gas Fireplace Dining Area and Eat-in Kitchen • Recessed Lighting • Beautiful Stairway • Oak Floors

• • • • •

Screen Porch 2 Car Attached Garage Corner Lot Private 10 mins. from Town of Kilmarnock • No Association Dues • NOW $369,000

PAGE 23

Say You Saw It In Real Estate Review

LAWRENCE BARRACK 804-435-6161

TOLL FREE: 800-225-8298 CELL: 804-436-6109

JIM & PAT CARTER REAL ESTATE, INC. email: barrack@carterrealestate.com 19 0' W AT ER FR O NT AG E

W NT CK Y LO ME NO BA N BE SS A KE SE AH A AS PP PE

RA ESA OF CH S & EW R VI IVE R

D CE U D RE

LI NE ST W IN G

• 3,000± sq. ft.

• 3 Bedrooms • 3 Full Baths (tile) • 2 Fireplaces • Dining Area • Pine Floors • Plantation Shutters • Crown Moulding • Work Shop • 2-Car Garage • 3 Screen Porches w/tile • Deeded Access to Sandy Beach • NOW $649,000

Old Farm House

• Circa 1899 • Sq. Ft. 2217 • Floors Pine • 2 Fireplaces • 5.47 Acres • 500 Ft. ± Waterfrontage • Off of Antipoison Creek • Home Sold As Is

Nice For Horses $259,000

PAGE 24

Say You Saw It In Real Estate Review

LAWRENCE BARRACK 804-435-6161

TOLL FREE: 800-225-8298 CELL: 804-436-6109

JIM & PAT CARTER REAL ESTATE, INC. email: barrack@carterrealestate.com

E IC CED R P DU RE

Great boating just five minutes to the Rappahannock River. The deck will take you outside and down a gentle grade to the pier with 4 feet ± MLW. Central air and heat, two bedrooms and two baths. 30 x 36 three car garage with electric door openers.

Beautiful views down Mill Creek with 250 feet ± of waterfrontage.

Asking $399,000

E IC ED PRDUC RE

TOWN OF WHITE STONE

E IC PR

• 1727 Sq. Ft. Home • Vinyl Siding • 3 Bedrooms • 2 Full Baths • 1 Half Bath • Fireplace • New Kitchen Appliances with Tile Floors Re-modeled in 2008 • Den • Heat Pump • Deck • Storage Shed • Paved Driveway • Asking $215,000

D CE DU RE

• 3.67 Acres • Wooded Lot • Level Lot • Long Road Frontage

• 4 Bedroom Septic Letter • 15 mins from Town of Kilmarnock • Private Community • Club House

• Swimming Pool • Now $69,900

PAGE 25

Say You Saw It In Real Estate Review

LAWRENCE BARRACK 804-435-6161

TOLL FREE: 800-225-8298 CELL: 804-436-6109

JIM & PAT CARTER REAL ESTATE, INC. email: barrack@carterrealestate.com

Best Buy on the Chesapeake Bay

Sunset over Tabb’s Creek

Glorious view from the deck.

The house sits on a peninsula with views of sunrise and sunset!

Relax at the beach house!

• Year round vacation or retirement home • Secluded community facing Bay & Tabbs Creek • 10 mins. to golf or shopping, in White Stone & Kilmarnock • Handicap friendly MAKE OFFER • 2 BR, 1 1/2 BA Y TO A S EB E T K NU EA MI SAP E CH

• Fireplace • Sunroom w/Enclosed Glass Porch • Living Room • 400 AMP • Gas Heat/Central Air • Artesian Well • Workshop with Heat • 2 Car Attached Garage • 2 Storage Sheds • Gravel Driveway • NOW $639,000

• Office • Cathedral ceilings • Open Floor Plan • Sand Beach • FP, waterview from all rooms • Completely remodeled in “2006” •NOW $459,000 • 2.78 Acres Park Like Setting • 150 Ft. Waterfrontage • Pier • Sand Beach • Beautiful Views Looking into Bay • 2628 Sq. Ft. Home • 3 Bedrooms • 2 Baths • Office/Den • Formal Dining Room

NEW PRICE REDUCTION

PAGE 26

Say You Saw It In Real Estate Review

LAWRENCE BARRACK 804-435-6161

JIM & PAT CARTER REAL ESTATE, INC. email: barrack@carterrealestate.com

PR IC E

RE DU CE D

TOLL FREE: 800-225-8298 CELL: 804-436-6109

•1.25 Acres •Built in 2008 •4,972± Sq. Ft. Home •1,408± Sq. Ft. of Decking •3 Bedrooms •2 1/2 Baths •Utility Room •Storage Room

E IC PR

D! CE U D RE

•Dining Room •Recreation Room •Library Room •Living Room •Pier •5 Mins. to Rappahannock River • NOW $595,000

TOWN OF KILMARNOCK • 0.580 Acres • Built in 2003 • 1848 Sq. Ft. ± • 3 Bedrooms • 2 Full Baths • 1 Half Baths

• Crown Molding • Open Floor Plan • Brick Walk-way • Black Top Driveway • Now $249,000

DELTAVILLE • New Home • 0.88 Acres • 3 Bedrooms • 2 Full Baths - Tile Floors • Kitchen - Tile Floors • Granite Countertops • Maple Kitchen Cabinets • Utility Room-Tile Floors

• Double Pained Windows • Deck • Attached Garage • Heat Pump • Garden Shed • 1 Mile to Marinas • $209,000

PAGE 27

Say You Saw It In Real Estate Review

LAWRENCE BARRACK 804-435-6161

TOLL FREE: 800-225-8298 CELL: 804-436-6109

JIM & PAT CARTER REAL ESTATE, INC. email: barrack@carterrealestate.com • • • • • •

0.53 Acre 4 Ft. MLW Shared Dock 242± Ft. Water Frontage Community Amenities County Assessment $212,100 • Asking $195,000

N TO R IL IVE W R F O K S TAN E V KA CO AN PI

TIPERS CREEK • • • • • • D CE DU E ER IC R P

CORROTOMAN RIVER

5 ft. MLW 170 ft. Waterfrontage Wooded 1.62 Acres 3 Bedroom Septic Letter Asking $269,000

• 356+/- Ft. Waterfrontage • 5.72 Wooded Acres • 3 Bedroom Conventional Perk • Private • Pier Permit/6+ Ft. MLW • 5 Minutes from Kilmarnock • Asking $439,000 PRICE REDUCED

APPROVED SITE PLAN TO BUILD 50 FT. FROM WATERS EDGE.

• 800± Ft. Frontage • Sand Beach • Wooded • 1.99 Acres • Sunsets • Now $395,000 PRIVATE 9.1 Wooded Acres 4 Bedroom Septic Letter Sandy Bottom Rip Rapped Looking Out into Bay County Assessment $562,800 • Asking $450,000 • • • • • •

Š2010 by Virginia Real Estate Reviews.

Reproduction of photographs, artwork, or copy is prohibited without prior written permission of the publisher.

All Rights Reserved

Virginia’s Northern Neck Including Essex and Middlesex Counties

PAGE 30

Say You Saw It In Real Estate Review

DOTTIE MACDONALD 1-800-296-1025 804-436-6659

JIM & PAT CARTER REAL ESTATE, INC.

email: dottiere@rivnet.net

447 CHESAPEAKE DRIVE ❖ WHITE STONE ❖ VIRGINIA 22578

R ED U C ED !

BROKERS FOR UNIQUE PROPERTIES AND ESTATES SINCE 1957

R ED U C ED !

GORGEOUS PIANKATANK RIVER VIEWS Wonderful Easy Living Home that takes full advantage of those gorgeous Piankatank River views. Great kitchen with granite countertops and stainless steel appliances, four bedrooms and two baths. These owners keep this home in tip-top shape. Tile and carpeted floors. Beautiful fireplace in river room features lovely exotic wood surround. Large deck with sunken hot tub. Heated in-ground pool with new auto cover. Pier with two lifts. 4'+/- rip rap.

Now Only $649,900

WHITE STONE ~ WINDMILL PT. Adorable 3 bedroom, 2 bath home that’s been updated but still retains the charm and sturdiness of A Sea Captain’s home.

Nice kitchen opening to the dining room. There’s a great bonus room up that captures those sea breezes coming off the Bay. Fairly new HVAC. Large deck overlooking beautiful perennial gardens. Two garages. Very private but convenient.

Now $195,000

END OF LITTLE OYSTER LN. OFF RT. 695 ~ WHITE STONE ~ WINDMILL POINT Beautiful, private 1.6 acre waterfront lot in convenient and lovely area. Partially wooded and level. Looking into the Rappahannock River.

4 Bedroom perk, new driveway and rip rapped.

Asking $350,000

WICOMICO CHURCH ~ NORTHERN NECK 3 acre wooded parcel with some pond frontage near historic West End Plantation - Pristine area. Owner financing… $30’s

RT. 646 WHITE STONE ~ TABBS CREEK Large waterfront farm that has been in the family for years in a great neighborhood. Some sand beach.

Very nice views and good water depth.

Reduced to $335,000

BRIGHTWATERS SUBDIVISION WHITE STONE ~ WINDMILL POINT Two acre wooded waterfront lot in Brightwaters.

Lovely high-end community with beach and pier. $155,000

EAGLE LANDING ~ KILMARNOCK AREA Beautiful large wooded parcels in a wonderful waterfront upscale community that features swimming pool, tennis, boating facilities and clubhouse for residents. Owner financing. $70’s

PAGE 31

Say You Saw It In Real Estate Review

Bruce & Jill Anderson 804-436-4022

804-436-5251

JIM & PAT CARTER REAL ESTATE, INC. BROKERS FOR UNIQUE PROPERTIES AND ESTATES SINCE 1957 4478 IRVINGTON RD ❖ IRVINGTON ❖ VIRGINIA 22480 www.AndersonBay.com

Glebefielde ~ Carters Creek ~ $1,425,000.

Irvington / Pool / Pier / Granite Kitchen / 4 BR / 3.5 BA andersonbay.com/glebe.html

email us: land4u@andersonbay.com

Quietude ~ Myers Creek ~ $765,000.

4 BR / 4 BA / Home Theater / Boat House / 1.9 Ac. andersonbay.com/quiet.html

ct!

Contra

Bayfield $1,199,000.

Indian Ck / 8.83 Acres 588' sandy shore

Bay Beach $765,000.

Tranquility Rd 3BR/2.5BA andersonbay.com/baybeach.html

Potomac View $329,000.

Water Access 3BR/2.5BA andersonbay.com/potomacvw.html

Kayak Key $299,000.

L. Wicomico 2BR/1.5BA andersonbay.com/kayakkey.html

ed !

Red uc

Park View $169,000.

Pool, Ramp 2BR/2BA andersonbay.com/parkview.html

Chapel Rd $152,000.

“As Is” 3 BR/1.5 BA 4 Sheds andersonbay.com/chapelrd.html

Yopps Road $650,000.

Carters Ck Pier/8'MLW andersonbay.com/yoppsrd.html

Clark Point $447,850.

Antipoison Ck. 11 Ac/4' andersonbay.com/clarkpt.html

River Village $425,000.

Rappahannock R. sunsets andersonbay.com/rvillage.html

Carters Ck $387,500.

1.2 Acre in Irvington andersonbay.com/chase.html

WBP Lot 2 $335,000.

Western Branch Preserve andersonbay.com/westbranch.html

WBP Lot 7 $309,000.

Western Branch Preserve andersonbay.com/wbp7.html

Bluff View $299,000.

G. Wicomico 10' MLW andersonbay.com/bluffview.html

Lot 18 Clifton $299,000.

Indian Ck 5'+ MLW andersonbay.com/clifton.html

15 Bay View $175,000.

3 Ac./Pond/Beach Access andersonbay.com/ubv15.html

River Ridge $185,482.

Bells Ck 5 Ac. / Ramp andersonbay.com/riverridge.html

On The Pond $169,000.

10-Ac. pond / 10-Ac. site andersonbay.com/onthepond.html

Greenvale Ck $167,000.

2' MLW/ drive installed andersonbay.com/greenvale.html

Cypress Farm $149,500.

Tabbs Ck / Owner/Agent andersonbay.com/cypressfarm.html

14 Mt. Jean $115,000.

Hills Quarter Golf/Pool andersonbay.com/golfalot.html

PAGE 32

Say You Saw It In Real Estate Review

DICK MCEWAN JIM & PAT CARTER REAL ESTATE, INC.

dmcewan@chesapeakebaycountry.com www.chesapeakebaycountry.com

BROKERS FOR UNIQUE PROPERTIES AND ESTATES SINCE 1957 4478 IRVINGTON RD ❖ IRVINGTON ❖ VIRGINIA 22480

S O LD

OFFICE: 804-438-6575 CELL: 804-436-6747

Rappahannock River/Chesapeake Bay Cottage This cottage reaches back to yesteryear when summer days were spent on sandy beaches with the water lapping at your feet, and evenings were spent enjoying the cool breeze coming off the water. It is surrounded by large trees keeping the cottage cool. The view is spectacular of the confluence of the Rappahannock and Piankatank Rivers and the Chesapeake Bay. The cottage is fully furnished, so all you need is your swimsuit.

$329,000

Johns Neck Road ~ Weems This 3 bedroom home has it all…1750 square feet, master bedroom on 1st floor, dining room, new kitchen w/walk in pantry, enclosed back porch, new windows and baths (2), expansive 2nd floor, office space, interior freshly painted, large front porch to sit and relax, and plenty of room for outside activities on the one acre lot. Conveniently located minutes from Kilmarnock and Irvington, and Carters Creek, Rappahannock and Corrotoman Rivers.

$149,000

Weems Road ~ Weems An ideal two-bedroom starter home that has been recently improved with new windows, appliances, flooring and roof, and the interior newly painted. There is a one car detached garage with a shed attached. For new buyers, there has never been a more perfect time to purchase a home with the $8,000 tax credit and historical low interest rates.

$79,000

PAGE 33

Say You Saw It In Real Estate Review

BOX 410, CALLAO, VIRGINIA 22435

(804) 529-6393 1-800-296-6393 joeself@joeselfrealty.com NORTHERN NECK A.R. Multiple Listing Service

Joe Self

KINGSCOTE CREEK + 2.7 ACRES QUALITY BUILT BRICK RANCHER 3 BR, 2.5 baths, entrance foyer, for$599,000 mal living room, formal dining room, great room with fireplace & slider to patio. Large Kitchen with custom cabinets, den w/fireplace, laundry room, master bedroom has bay window on waterside, house offers mostly hardwood, vinyl, ceramic and carpet floors. Plaster walls, 2 rooms offer panel walls, 2 heat pumps, storage shed. Pier with +4ft MLW. Sandy Point on Potomac River $349,000 Great view.

Large eat-inkitchen, LiR with fireplace. Two BRs, full BA. Hwd floors.

Large screen porch. Pier 3-4' MLW

Potomac River Cottage - $399,000 Well maintained waterfront 3 bedroom cottage, spectacular Waterfront views.

Glass enclosed porch, large master bedroom, Fireplace in living room, central heat and air. Bulk-head and 260’ pier.

Farnham/Richmond County - $79,000

Richmond County - $72,500

Lively - $135,000

2 bedrooms, bath, living room, kitchen and nice screened porch.

Yard w/mature trees. Large Storage Building offers potential. +/- 1 1/2 acres. IDEAL FOR FIRST TIME HOME BUYERS!

Mobile home offers two bedrooms, bath, living room, and kitchen with detached garage.

Immaculate brick rancher offering 3 BRs, eat-in kitchen w/pantry. Large LR with hardwood floor and FP. Full bath, carpet in bedrooms, central air & heat. Screened porch, separate garage and adjoining vacant lot.

WATERFRONT PROPERTIES Lot 73 - Northumberland Plantation $139,000 Lot 74 - Northumberland Plantation $139,000 Lot 87 - Northumberland Plantation $139,000

2 ac. - Great House Point Kinsale - $275,000

OFF WATER PROPERTIES 14.22 ac. - Coan Stage - $129,500 2.39 ac. - Coan Stage - $34,500 2.79 ac. - Coan Stage - $34,500

PAGE 34

Say You Saw It In Real Estate Review

Joey Self www.JoeySelf.com 580 Northumberland Hwy. Callao, Virginia 22435 NT RO F ER AT W

00 ,0 99 $3

• Deep Pier • Remodeled

• Private Ramp • $325,000

• Paved Drive • Like New

• Screened Porch • Garage

E M HO

• Computer Room • $229,500

E M HO

• 1.69 Acres • Garage

• Pier • Bulkhead

• Family Room Addition • $59,500

• Pier • $259,500

E M HO

• Huge Kitchen • Wood Deck

R TE AR ST

Y AD D RE SE L A A E L

• Warsaw • Great Parking

• Remodeled • Workshops

W NE

• 1st Floor Master • Deck

R TE AR ST

• Vaulted Ceiling • River Room NT RO F ER AT W

00 ,0 95 1 $

W NE

(804) 450-0858 (800) 487-8845

• Tile Master • $179,900

E M HO

• 3 Bedrooms • New Range

• New Carpet • $96,000

Y AD D RE SE L A A E L

• Garage • $120,000

• Richmond County • Brick • Basement • $135,000

PAGE 35

Say You Saw It In Real Estate Review

Joey Self www.JoeySelf.com 580 Northumberland Hwy. Callao, Virginia 22435

00

,0

9 67

00

,0

5 47

$

$

Custom Built Home Best Sand Beach

Sunsets!!!

New Pier & Bulkhead $349,5000

(804) 450-0858 (800) 487-8845

Long Views Deep Water $165,000 and $145,000

Chesapeake Bay New HandiPlank, Siding, arch. Shingles, tile & wood laminate floors, beautiful

No Restrictions!!!

Deep Water $279,500

2+ Acres Skiff Depth Only $59,000!!!

00

,5

4 $8

Pier & Lift Septic, Water, Plan $299,000

Slight Views Conventional Perks $49,500

2+ Acres Deep Harbor $219,500

54 Acres Quiet Area $199,000

Deep Water Exclusive Homes $250,000

10 Acre Tracts Route 360 $94,500

Private setting, yet close to town - wood floors, large rooms, clean as a whistle.

PAGE 36

Say You Saw It In Real Estate Review

Mason Realty, Inc.

P.O. Box 58 Deltaville, VA 23043 804-776-9295

P.O. Box 188

• Saluda, VA 23149 804-758-2777

P.O. Box 517

• Urbanna, VA 23175 804-758-5372

www.masonrealty.com Call or write for a free brochure of all our listings!

URBANNA – 3 bedroom, 2 bath home with spectacular view of Urbanna Creek to the Rappahannock River Bridge. Town water/sewer. NOW $689,000

DELTAVILLE – Attractive 3 bedroom, 2 ½ bath home.

Living room/gas fireplace, large eat-in kitchen, dining room, office. Master bedroom with sitting room and balcony. Close to marinas, restaurants and shopping.

Includes 2,000 sqft. commercial building. $469,500

PIANKATANK SHORES – Hartfield - 3 bedroom, 2 bath brick ranch. Detached garage. Water access, boat ramp, pier, beach... Only 5 minutes from golf course. $194,500

LAGRANGE CREEK FORK ESTATES – Beautiful water views!

Nice 2 bedroom, 1 bath with large screen porch. Pier with boathouse. Close to Urbanna. $199,900

WAKE – Nicely kept 3 bedroom, 1 ½ bath ranch on lovely 2 acre lot. Mature landscaping, large trees, stream. Large 3 bay detached garage, additional 1 car garage/guest suite. Close proximity to public boat landing on Mill Creek. $259,500

QUEEN ANNE’S COVE – Urbanna – Pretty views, sand beach, launching ramp, town water & sewer, screen porch.

Walk to town. 2 bedroom, 2 bath condo. $399,500

PIANKATANK RIVER – Newly renovated 2 bedroom, 2 bath one story. Canal and river frontage. Boat ramp and sand beach access. Pretty views! $395,000

WAKE – Near Deltaville – Great starter home! 2 bedroom, 1 bath. Close to public boat ramp. Almost ½ acre. $125,000

PAGE 37

Say You Saw It In Real Estate Review

MASON REALTY, INC. Eric Johnson or RD Johnson www.masonrealty.com

P.O. BOX 517 URBANNA, VA 23175 (804) 758-5372

PIANKATANK RIVER – Great weekend retreat! 3 bedrooms, 1 bath. Great room with lots of glass. Super views! Vinyl bulk heading – Pier with boat lift. NOW $399,500

HARTFIELD – Like new 3 bedroom, 2 bath ranch with vinyl siding. Fenced back yard with patio. Great corner lot. Deeded water rights. $179,900

URBANNA – 3 bedroom, 2 bath brick ranch with fireplace and screen porch – Some river view. New windows, new heat pump. Spacious home with hardwood floors. Detached 1-car garage. Town amenities include pool, library, park, marina. Walk to shopping & restaurants! $279,000

URBANNA AREA – Gorgeous views at the mouth of LaGrange Creek & the Rappahannock River. Just outside Urbanna. 3 bedroom cottage with 1 bath, fireplace, deck, storage shed, pier with boatlift. Great location! $475,000

LOCUST HILL – Beautiful brick and vinyl Cape Cod – 4 bedrooms, 2 baths, living room with fireplace, dining room, office, den & eat-in kitchen. Large deck. Good location. Could also be used Commercially. NOW $239,000

RAPPAHANNOCK RIVER – North Middlesex – 2 bedroom, 1 bath cottage with excellent views. Detached garage/shed. Almost one acre. Estate Sale. $429,000

LAGRANGE CREEK – Urbanna area – Beautiful 4,100 sqft waterfront home has 11 rooms. 4-5 bedrooms, 5 full baths – Bright & spacious! Screen porch. 2 car garage/shop.

Generator system. Pier. Great views with water on 3 sides. REDUCED to $899,500

THE LANDING – Custom brick home overlooks hole #6 at Piankatank River Golf Course – Hardwood floors, vaulted ceilings, large eat-in kitchen, 3 bedrooms (large master), 2 ½ baths, attached 2 car garage and detached 2 car garage with ½ bath and unfinished bonus room. Aggregate porches, sidewalks and driveway. +1 acre lot. Must see to appreciate! $539,000

PAGE 38

Say You Saw It In Real Estate Review

MIDDLE BAY REALTY 800-529-5122 or 804-453-5380 Fax: 804-453-5383 Cell: 804-761-4125 www.middlebayrealty.com • captkuyk@rivnet.net

KEVIN KUYKENDALL SHERWOOD FOREST

LARGE ACREAGE

3 BR, 1 1/2 BA, home in WF community. $129,900. #83052

61.16 acres, very private.

Conventional perk on file. $199,500. #81878

BETZ LANDING

CRANES CREEK HARBOR

1.12 acres, 358' water frontage, 2-3' MLW. $235,000. #79055

1.72 acres, deep water - 5' MLW, 387' water frontage. 360˚ views. $405,000. #16581

PINE POINT - WF

CHESAPEAKE BEACH ESTATES

3 BR, 2 BA beach house, 4-5' MLW, dock & covered boatlift. $359,000. #83348

2 BR, 1 BA, beach house.

Just 3 blocks from the beach! $148,900. #84050

PAGE 39

Say You Saw It In Real Estate Review

804-453-5380 Cell: 804-456-1219 email: kmitchell@middlebayrealty.com

KIRK MITCHELL

804-453-5380 Cell: 804-450-7241 email: lmitchell@middlebayrealty.com

LIBBIE MITCHELL

MISKIMON

3 BR, 3 BA, 2,896 sq. ft., large rooms, move-in condition. Great location. Close to conveniences of town. $319,000. #82798

4 BR, 3 BA, 3,632 SF, totally renovated Farmhouse. granite counters, hardwood, 21 acres w/pond. $495K. #82908

DODLYT RD

CRANES CREEK HARBOR

14 lots, towering hardwoods, stream, ranging from 3 to 7 acres.

Priced $44,900 to $76,900.

1 acre lot, deep water on protected harbor, pier and lift. $279K. #83537

SWANN HARBOR 1.24 acre water access lot. $27,500 #83825

2 LOTS IN CRANES CREEK

R PR ED I U CE C ED

KILMARNOCK

COURTHOUSE ROAD 110 acres, farmland, timberland & hunting acreage, 2 lg. metal buildings, water & electric. $525K #82905 FARMS OF NORTHUMBERLAND 30 acres - 5 acres cleared - NO HOA. $120,000 #81501

3.11 Ac. 3 BR septic letter. $229K. #78972 14 Ac. 4 BR septic letter. $189K. #78970

SENIORS CREEK

WICOMICO CHURCH !

ED C DU RE

.56 acre w/f lot in Corr. By The Bay, 4 ft. water depth, elevated. $135K. #83849

Elevated, deep water lot.

3.4 acres, 4 BR perk. $349,000. #82402

PAGE 40

Say You Saw It In Real Estate Review

MIDDLE BAY REALTY Toll Free: 1-866-436-1150 Cell: 1-410-610-9890 Home: 1-804-580-2053 email: RivahRunners@RivahRunners.com

JOE EMERSON CORROTOMAN BY THE BAY

WEEMS

SENIOR CREEK

Brand New, 3 BR, 2 BA with Full Basement. $194,900. #78593

3 BR, 2 BA, .79 acres, deck/patio $285,000. #83477

4 BR, 2 1/2 BA. 5+' MLW, Pier $499,000. #82837

MOUTH OF GREAT WICOMICO

CORROTOMAN BY THE BAY

MALLARD BAY D! CE U D RE

3 BR, 4 BA, 2 Bonus Rooms, Endless views. $1,295,000. #20233

3 BR, 1 BA, Waterfront cottage.

Community amenities. $265,000. #77771

3 BR, 2 BA, 2,100 Sq. Ft. Community Amenities $415,000. #19327

SHERWOOD FOREST

HERITAGE POINT

CORROTOMAN BY THE BAY

3 BR, 2 BA, Waterview cottage $199,000. #81678

3 BR, 2 Baths.

Community amenities. $319,000. #17601

3 BR, 2 Bath.

Community Amenities $199,000. #79229

MALLARD BAY~ EAGLE LAKE

BAY HARBOR

ECHO LAKE

!

ED UC D RE

Photo is Similar to Home Being Built

New Construction. Stick-built 3 BR, 2 BA home in water-access community. $419,000. #81163

GREAT WICOMICO RIVER Lindal Cedar Home with privacy and deep water, 3 BR, 3 full BA’s, 2 half BAs, 4.6 acres, 5+ MLW. $629,000. #82919

3 BR, 2 BA, 1400 SF, built in 2004 $197,500. #82109

3 BR, 2 BA, Community amenities. $249,000. #83132

FARM - HUNT

38.5 acre farm with 4 BR, 2 BA farmhouse! Great condition. Barn, 2 car garage & additional outbuildings. $299,000. #82717

For more information on these properties please visit

www.NorthernNeckRealEstateTreasures.com

PAGE 41

Say You Saw It In Real Estate Review

MIDDLE BAY REALTY Toll Free: 1-866-436-1150 Cell: 1-410-610-9890 Home: 1-804-580-2053 email: RivahRunners@RivahRunners.com

JOE EMERSON CORROTOMAN RIVER

HAGUE - ACREAGE

MALLARD BAY

ACREAGE & WATERFRONT !

ED UC D RE

Quarter’s Cove, 3.24 acres, 2-3' MLW with pier. $265,000. #83772

43.97 Acres, nice combination of level & rolling land. $265,000. #79499

Flyaway Lake. .76 acres $149,000. #19847

Farnham 15.2 Acres…$240,000.

12.7 Acres…$299,900.

ROCK HOLE CREEK

CORROTOMAN RIVER

CUBITT CREEK

DIVIDING CREEK

D! CE DU E R

2.0± acres, 3-4 ft MLW Addtl. interest in bay front lot $212,000. #83577

Very private building site with breathtaking views of the Corrotoman River. 3.29± acres.

3-4 ft. MLW. $189,000. #80862

2.25+/- Acres in Chesapeake Cove.

4 BR cert. letter. $79,900. #81340

3.19+/- acres. 3-4' MLW. Septic letter & pier permit. $337,000. #82514

LITTLE WICOMICO RIVER

MILL CREEK

SAWMILL COVE

LITTLE WICOMICO RIVER

2.28± acres, 5+ ft. MLW Pier/rip rap. 2 car garage $275,000. #82324

3.57 acres, less than 2' MLW. $65,000. #83759

4.19 Acres, 2-3 Ft. MLW, pier in place. $249,000. #81187

2.24 Acres, 4-5' MLW, Pier & Boathouse $275,000. #82308

LOTS & ACREAGE Chinns Mill #20323 . . . . . . . . . . .5.36 Acres . . . . . . . . . . . .$49,900 #20324 . . . . . . . . . . .5.22 Acres . . . . . . . . . . . .$49,900 #20326 . . . . . . . . . . .5.45 Acres . . . . . . . . . . . .$49,900 Mollusk #81514 . . . . . . . . . . .1.907 Acres . . . . . . . . . . .$15,000 Lancaster Courthouse #18791 . . . . . . . . . . .12.13 Acres . . . . . . . . . . .$59,000 #18792 . . . . . . . . . . .38.45 Acres . . . . . . . . . .$139,000 Iberis Woods #79521 . . . . . . . . . . .4.493 Acres . . . . . . . . . . .$45,000 Bay Harbor Estates #80867 . . . . . . . . . . .0.94 Acres . . . . . . . . . . . .$40,000

WATERFRONT & WATER ACCESS LOTS Knight’s Landing #77851 . . . . . . . . . . .3.4 Acres . . . . . . . . . . . . .$54,900 Swann Harbor #79515 . . . . . . . . . . .0.81 Acres . . . . . . . . . . . .$45,000 Oyster Cove #83429 . . . . . . . . . . .5.44 Acres . . . . . . . . . . . .$69,000 Rivers Knoll #83366 . . . . . . . . . . .3.11 Acres . . . . . . . . . . . .$33,000

WATERFRONT & WATER ACCESS LOTS Mallard Bay #19847 . . . . . . . . . . .0.76 #17830 . . . . . . . . . . .1.72 Bay Quarter Shores #83439 . . . . . . . . . . .0.64 #83440 . . . . . . . . . . .0.64 Corrotoman By The Bay #18549 . . . . . . . . . . .0.25 #83908 . . . . . . . . . . .0.34 White Sands Harbor #83576 . . . . . . . . . . .0.66 Betz Landing #78163 . . . . . . . . . . .2.75 Heritage Point #80826 . . . . . . . . . . .2.09 #80827 . . . . . . . . . . .2.14 #80974 . . . . . . . . . . .2.10 #80165 . . . . . . . . . . .2.14 Mill Creek View #83759 . . . . . . . . . . .3.57 Harmony Hall #84068 . . . . . . . . . . .3.10 #84069 . . . . . . . . . . .4.20

Acres . . . . . . . . . . .$149,900 Acres . . . . . . . . . . . .$60,000 Acres . . . . . . . . . . . .$22,900 Acres . . . . . . . . . . . $22,900 Acres . . . . . . . . . . . .$15,000 Acres . . . . . . . . . . . .$13,500 Acres . . . . . . . . . . . .$37,500 Acres . . . . . . . . . . . .$47,000 Acres Acres Acres Acres

. . . . . . . . . . . .$37,000 . . . . . . . . . . . .$37,000 . . . . . . . . . . . .$45,000 . . . . . . . . . . . .$35,000

Acres . . . . . . . . . . . .$65,000 Acres . . . . . . . . . . . .$35,000 Acres . . . . . . . . . . . .$35,000

For more information on these properties please visit

www.NorthernNeckRealEstateTreasures.com

PAGE 42

Say You Saw It In Real Estate Review

MIDDLE BAY REALTY Office: 804-436-1150 or 866-436-1150 Cell: 804-761-3015 or 804-761-2058 email: captsea@kaballero.com or re4u2@verizon.net

KENNY KUYKENDALL & BETSY CROWTHER

RIVER’S LANDING Water Access Community Amenities! $321,000 #83573

FITCHETT’S LANDING 3 BR, 2.5 BA, Water Views $597,000 #81745

COMMERCIAL ~ KILMARNOCK 5.9± Ac $490,000

W NE

G IN ST LI

MYER CREEK 3000 sq. ft./3+ Ac. $845,000 #81913

CRANES CREEK HARBOR 2.3 Cleared Ac. - 5+' MLW $499,000 #82123

CEDAR POINT - Water View!

HARMONY HILLS 3.6± Ac ~ Water Access $96,500

DYMER CREEK 2± Ac~7'± MLW~$475,000 2± Ac~7'± MLW~$525,000

HERITAGE POINT Water Access ~ 4± Ac $255,000

LIBERTY HILL - AFFORDABLE! LITTLE WICOMICO RIVER - Headwaters 13+ Acre Parcel, $172,500 #16543 1.1 Ac w/Pond Frontage. Just Minutes to Kilmarnock.

7+ Acre Parcel, $159,000 #16542 $37,500. #83941

WICOMICO CHURCH Zoned A1. 2.5± Ac., 3 BR, 2 BA $160,000. #82942

BLUFF PT. RD. Affordable 3 BR, 2 BA! $147,500. #83721

Lot 29 – 2 Ac. – $149,500 Lot 30 – 2 Ac. – $149,500

KILMARNOCK 3,000+ sq. ft./1+ Ac. $279,500.

MILLBURN ~ NEW HOMES! Price Range: $189,900-$259,900.

For more information on these properties please visit

www.NorthernNeckRealEstateTreasures.com

PAGE 43

Say You Saw It In Real Estate Review

“Property Shown By Land & Sea!” www.port-starboard.com email: realestate@port-starboard.com Roger Coleman (804) 529-5641 David Fine (202) 297-8946 Fred Olverson (804) 529-6868 Cas Olverson, Broker (804) 529-5555

C U O N N D T E R R A C T !

(800) 529-5071 Toll free (804) 529-5555 Local

3BR/1.5BA home w/attached carport on 2 ac. near Heathsville. New roof. New HVAC still under warranty. Needs other work. Bonus! 24x39 garage &/or storage bldg. $133,500.

Please call Roger Coleman 804-529-5641.

GLEBE CREEK off Coan River. Mostly open lot in prestigious Coan Harbour Estates. Big old trees at shoreline. Permits for rip-rap & pier. Est. 5' MLW per seller. REDUCED! $249,000! Fred Olverson (804) 456-0251

MILL CREEK. Off Yeocomico River. Two lots, 2.3 ac., being sold as one, mostly wooded, sloping down to est. 8MLW pier. Possible owner finance w/20% down. Was $279,000.

Now $259,000! Fred Olverson (804) 456-0251

WELL MAINTAINED low maintenance 3BR/2BA home, family room FP, on Grt. Wicomico, small boat MLW. $335k. Adjacent 2+ ac. WF lot available at $140k. Or, both for $465k. Call Roger Coleman 804-529-5641.

30 ACRES Cockrell Creek, 10 MLW, w/older 2-story Colonial. Zoned R-2, many commercial uses allowed. Potential sewer & water for residential development. Sale subject to court approval. Call David Fine 202-297-8946.

GORGEOUS. 5+ MLW on equally beatific Yeocomico River. Williamsburg Colonial, 3BR/3.5BA, LR & family FPs, high ceilings, 2 car garage, A+ landscaping, plus too much else to list! $850k. Call Roger 804-529-5641.

HALF ACRE lot off Walmsley Road, no restrictions, 2BR septic tank & field installed. $19,950.

0.46 ACRE lot, Hull Neck Road, Edwardsville, suitable for home or business. $29,000.

BEAUTIFULLY WOODED 2.89 ac. lot near historic Kinsale, close to marinas & restaurants. $49,000.

NOT 2 good to be true! 1.3 ac. waterfront lot, 3-4 MLW, Bay Qtr. Shores, Cod Creek. Only $139,500!

Please call Roger Coleman 804-529-5641

PAGE 44

Say You Saw It In Real Estate Review 16501 Kings Highway Montross, VA (804) 493-8772

6735 Richmond Road Warsaw, VA (804) 333-8772

Barbara Jean LeFon, ABR, GRI Principal Broker/Owner E-mail: barbarajean@rivahrealty.com VISIT OUR WEBSITE AT WWW.RIVAHREALTY.COM TO VIEW THESE AND ALL PROPERTIES IN THE NORTHERN NECK

POTOMAC RIVER - STRATFORD HARBOUR Breathtaking views of the river from this charming contemporary. Large deck, screened porch, fireplace, ceramic tile, beautiful sandy beach. Asking $449,000.

TOWN OF MONTROSS Absolutely immaculate and well-maintained 2BR, 1BA in great location. Nice lot, attic finished for possible 3rd BR, beautiful solid knotty pine walls & corner cabinet in DR. Terrific buy at $139,000.

CLASSIC FARMHOUSE Wonderful 4BR, 2BR home located in a lovely setting in Richmond County. Almost 4 acres, several outbuildings, Polonia tree farm on property. This is a real charmer! Asking $259,000.

HUNTER'S PARADISE Totally private & secluded home on 68.5 parcel of land with beautiful hardwoods. Would make a fantastic hunt camp.

Open floor plan, wood stove, extra large 2-car garage, equipment shed, guest cottage and more. Asking $479,000.

SPACIOUS COUNTRY LIVING 3 Bedrooms, 3 Baths, 2,576 SF, hardwood floors, down/carpet upstairs, upgraded features throughout, jacuzzi in Master Bath, 2-car garage, large country kitchen with island and breakfast room, formal dining, fireplace in family room, all on 1 acre. NEW PRICE $229,500.

POTOMAC RIVER Wonderful 2 BR, 2BA "Rivah" cottage on beautiful lot. Dock, bulkhead, detached garage, county sewer and more! Asking $389,000.

GLEBE HARBOR WATER ACCESS Charming 3 BR ranch with hardwood floors, ceramic tile, great country kitchen, sun room, deck and large garage with half bath work bench, bonus room & flute for wood stove.

Asking $149,500.

NOMINI CREEK BUILDING LOT Beautiful 1.3 acre lot with commanding views of Nomini Creek, one of the nicest creeks in the Northern Neck. 4 bedroom septic certification letter. Sailboat depth water 5' MLW. Offered at $285,000.

SEE BARBARA JEAN'S "REAL ESTATE FACTS" ARTICLES IN THE NORTHERN NECK NEWS NEWSPAPER.

PAGE 45

Say You Saw It In Real Estate Review 16501 Kings Highway Montross, VA (804) 493-8772

6735 Richmond Road Warsaw, VA (804) 333-8772

Shirley Harper Sales Associate (804) 472-2325 VISIT OUR WEBSITE AT WWW.RIVAHREALTY.COM TO VIEW THESE AND ALL PROPERTIES IN THE NORTHERN NECK

MOUNT HOLLY

KINSALE CAPE

IN TOWN

KINSALE

Home with 4 bed, 2 bath, dining room, living room with fireplace, enclosed porch, hardwood floors on 1.8 acres with 1 car garage.

Roomy Cape with 3 bed, 2 bath, living room/kitchen with fireplace, dining room, 2 bonus rooms, full basement, side screened porch.

Great Rancher with hardwood floors, 3 bed, 1 1/2 bath, large eat in kitchen. Water access just across the street.

Cozy cottage with water view and access. 2 bed, 1 1/2 bath, greatroom.

Deck on waterside.

All on approx 1 acre.

$275,000

$259,000

$149,000

$159,000

$355,900

$359,900

Happy New Year! $298,900

BRANSON COVE Large townhouses in Coles Point with waterview. Gourmet kitchens with granite counters, stainless appliances, 3-4 bedrooms, 2-3 1/2 baths.

Hardwood floors, tile and carpeted floors, cathedral ceilings, gas fireplaces in great room.

SANDY POINT

MONTROSS INN

Terrific waterfront home in sought after Sandy Point area. Home has 3 bedrooms, 2 baths, large living/dining room with fireplace on water side. French doors open from living room onto huge wrap porch.

Updated kitchen with laundry closet. Smaller screened porch on road side off kitchen. Enjoy sunrise or moon over river from porch or pier.

Two detached garages complete this great buy.

Large Inn 6975 Sq Ft, built in 1683 with 11 baths, 7 bedrooms, huge kitchen,several dining areas, separate bar sitting area, basement pub. This is a lovely place situated in the heart of Montross.

$529,500

Starting at $185,000

Priced to sell at $335,000 MURPHY’S MILL POINT Large waterfront lots near the historic town of Kinsale.

PAGE 46

Say You Saw It In Real Estate Review

Robert Booth 804-761-7140 rbooth@crosslink.net www.CallRobertBooth.com P. O. Box 369 Callao, Va. 22435

YEOCOMICO RIVER 4 BR-4 BA 3 Acres $949,500

YEOCOMICO RIVER 3 BR-2.5 BA 2.19 Acres $699,500

YEOCOMICO RIVER 36.9 Acres 650 ft. Waterfront $335,000

HACK CREEK 3 BR-2 BA 1.14 Acres $429,500

228 ACRES Westmoreland Co. $499,500

WATER VIEW 2005 - 3 BR/2 BA 2 Car Garage Reduced to $215,000

FARNHAM, VA. 2 BR-1 BA-porch &deck 1.18 Acre $115,000

SUNNYBANK 3 BR-1.5 BA 1 Acre $149,500

LOTTSBURG 3 BR-2.5 BA Renovated $139,900

MACHODOC CREEK Wooded lot 115' WF $120,000

GREAT WICOMICO RIVER 1.45 Acres 191 Ft. WF $169,500

HEATHSVILLE COMMERCIAL BUILDING $129,500

PAGE 47

Say You Saw It In Real Estate Review

www.shorerealtyinc.com Robbie Booth (c) 804-339-1504 (o) 804-529-7020 x5

Reedville - Waterfront

Waterfront Steal

• Colonial in excellent location • Basement, garage, potting shed • 2 beautiful lots • Very convenient to town $224,900

• Like-New 3BDR/3BA Home w/privacy • Wide views & protected water • Garage & many sheds • Lots of decking $450,000

• 3BDR, 1.5BA cottage w/ garage • 1/2 acre wooded land • Boating water depth $198,800

Beautiful Brick Ranch

New Listing

• Very well kept 3BR home • Large 2 car garage • Very close to Boat Ramp & towns $175,000

• Very well kept home • 5 acres w/ 2 car garage • Fully Furnished! $115,000

4BDR Home - 2.3 Acres

Coan River

• New flooring & HVAC • Very private • Impressive brick work • Like New Home $155,500

• Large brick rancher • Deep protected water • Huge walk-out basement • Owner financing available $448,000

2.9 2A CR ES

Tappahannock

Rent Or Buy

3.6 AC RE S

• 2.92 acres • 3BDR low maintenance home • Just seconds to marina & towns $134,000

Heathsville Farmhouse

• 3.6 acres • Renovated 3BDR/2BA • Storage buildings $169,900

LAND FOR SALE:

Little Wicomico River

• 3.8 wooded acres: Peaceful setting w/stream, Richmond Co.—$29,950 • 2 Water-access Lots, walk to pool & marina, perked, ready to build—$36,000 • Waterfront Cheap land/community amenities—$58,400 • Water-access Cleared, central sewage access—$10,500 • Waterfront 2.13 acres, gravel drive, homesite cleared. $158,000 • Rappahannock River view - almost 1 acre, perked, 2 sheds—$29,500 • 2 nice wooded building lots - 1 Acre = 21k and 2 acre = 25k • 3 Acres suitable for townhomes - only 45k • Cheap Waterfront - wide views of Potomac - $85,000

NEW Craftsman style home w/all the modern conveniences: hardwood floors, ceramic tile, lots of glass, gas log fireplace, beautiful moldings, office, den, jacuzzi tub, large walk-in closet & deck. Located on protected water offering a pier, rip-rap shore, deep water & great views! $539,000

PAGE 48

Say You Saw It In Real Estate Review

PAGE 49

Say You Saw It In Real Estate Review

GREENVILLE "ROBERT STEELE HOUSE" CA 1829 Mostly restored brick Federal with three fireplaces. Charming & quaint on a nice lot in small country town. Elegant original mantels, floors, some windows and doors. 3 bedrooms. Lovely patio & gardens with view of the mountains. Rare corbelled cornice. Useful outbuilding. $225,000

LI NE ST W IN G

LI NE ST W IN G

FREDERICKSBURG “BRUCE-COAKLEY HOUSE” CA 1843 Freshly painted exquisite Greek Revival. High ceilings. Elegant woodwork. Original doors, locks, shutters, mantels, woodwork, pocket doors. Heart of Pine floors. 8 relined FP’s. Large rooms 7 BR’s possible. 3 full & 2 half baths. 4,451± sq. ft. Formal garden. In downtown historic district. $699,000.

BERTRAND "REYNOLDS FARM ROAD" CA 1964 Renovation just completed. Well laid out with 3 bedrooms, 2 full baths. Large combination family room and kitchen. High paneled wainscoting in living room. Nice .862 acre lot not far from the Rivah.

1600+ square feet. New roof and heat pump. Excellent value at only $175,000.

KING GEORGE "MT. STUART" CA 1795 Exquisite woodwork & mantels. Large rooms, high ceilings revolve around grand hall with circular stairs designed by Wm. Thornton, architect of the US Capitol. 7 working fireplaces. Pocket doors between parlors. 24+ acs. surrounded by forest. Original windows & doors with H & L hinges. 2 bedroom Guest House. Barn, smoke house, run-in, dog kennel, woodshed, pool, tennis court $995,000

SALTVILLE “SCOTT-WALKER HOUSE” CA 1792 Federal VA Landmark built of 2' thick stone walls is virtually untouched and in excellent condition. New wing was built in 1992 of 18th C. materials. Very fine mantels, wainscoting, doors, floors.

Modern wing great kitchen opens to cathedral ceiling great room. $295,000.

GRAVEL HILL "WEST'S TAVERN & STORE CA 1799 & 1840 2 early places used as one, 18th Century store/Post Office & 19th Century Tavern. Charming & elegant located in rural historic district-village of Gravel Hill. Original floors, woodwork, doors, & mantels. Nine fireboxes. Porches, brick walkways thru several gardens w/fountains. Many boxwoods & large trees on 3.92 acres. This is a great value at $350,000.

HALLIEFORD “QUEENS HILL” CA 1829 Remodeled Victorian on Queens Creek on 2 acs. Dock to 4.5' MLW with total of 205' waterfront. Mammoth master bath w/cathedral ceiling & jacuzzi which opens out to swimming pool overlooking creek.

Eat-in kitchen w/cathedral ceiling. $500,000.

C U O N N DE TR R AC T

RICHMOND "CARPENTER'S COTTAGE" CA 1895 Elegant Queen Anne with pink marble used in parlor and bath. 4 fireplaces. Stained glass window and purser's window from original Jefferson Hotel. Period crystal chandelier in dining room with French doors leading to patio. Spacious kitchen. 3 bedrooms. 2-car garage. Banks of azaleas.

Featured home of 2001 Garden Club Tour. Owner/Agent $350,000

PAGE 50

Say You Saw It In Real Estate Review

PAGE 51

Say You Saw It In Real Estate Review

Holly Rittenhouse CHESAPEAKE BAY PROPERTIES

804-761-0145 (cell) 804-436-9145 (office)

Each Office Is Independently Owned and Operated

Historic 10 Acre Estate Guest Cottage Beautiful Colonial features 3 Bdrms, 2.5 Baths, Formal Dining, Formal Living Rm., Kitchen, Morning Rm, Sun Porch, Den, Study and Swimming Pool.

Completely restored this house offers todays conveniences with yesterdays charm. The Guest Cottage has 2 Bdrms, a full Bath, Eatin-Kitchen, Dining Rm, and Living Rm. Perfect for family or a business. Detached 3 Bay Garage with second floor Apartment is just one more plus on this wonderful property.

Offered for $895,000

Efficient Waterfront Home * 3 Bedrooms, 3 Full Baths * Eat-in-Kitchen and Great Room * Fireplace * Dining Room * Screened Porch overlooking Deep Water - only 34+- feet from the shore. * 384 feet of Waterfront * Full house Generator * Heat Pump, Propane and Gas * All appliances convey with home.

This home is a must if you need room to grow, a gorgeous view and efficient home.

Offered for $675,000

Happy New Year!

email: ncrs740@yahoo.com

yourhollyrittenhouse.com 14824 Northumberland Hwy., P. O. Box 67 Burgess, VA 22432

PAGE 52

Say You Saw It In Real Estate Review

DAILEY REALTY, INC. P.O. Box 316, Rt. 360 Callao, VA 22435 Phone: (804) 529-6900 Fax: (804) 529-6990

Email: daileyre@rivnet.net

Website: www.daileyre.com “REAL ESTATE SERVICE AT ITS BEST”

We wish you and yours a Mer y Christmas and a Joyous Healthy New Year Helen Fridenstine Doris Harcum Michael Mahanes

PAGE 53

Say You Saw It In Real Estate Review

Class A General Contractor

(804)453-4338 (804)436-4492

Your Builder in the Northern Neck Custom Frame, Timber Frame, Log Homes & Custom Modular Homes Exceed Building Code Requirements Built in a Timely Fashion 10 Weeks From Contract To Delivery Our Plans Or Yours STANDARD OPTIONS Architectural Shingles Glued and Fastened Wall Sheathing Minimum 13 SEER Heat and A/C Crawl Space with Concrete Floor Built in a Clean, Enclosed, Mold-Free Environment Will Build on Your Site

e-mail us at dsmithbuilderinc@aol.com www.darrinsmithbuilder.com

PAGE 54

Say You Saw It In Real Estate Review

I’M HERE TO ASSIST WITH ALL YOUR MORTGAGE NEEDS At Northern Neck State Bank, our purpose is to help people find financial solutions. We offer a variety of mortgage loans including residential lot loans and construction loans.

For assistance with your mortgage lending needs, please contact Mark A. Curran by phone at (804) 435-4302 (office), (804) 580-4204 (home) or (804) 338-3525 (cell) or by e-mail at mark.curran@ubsh.com.

100 years of mortgage lending experience

MARK A. CURRAN U.S. Navy Ret. Mortgage Loan Officer

www.union-mtg.com

www.northernneckmortgage.com

Member FDIC

Kilmarnock ◆ Burgess ◆ Reedville ◆ Montross Tappahannock ◆ Warsaw ◆ Time Square ◆ White Stone

PAGE 55

Say You Saw It In Real Estate Review

Custom builder since 1989

Major renovations and additions Hands on building with quality workmanship Come see our lovely model home on Painter Point Road 2 1/2 acres on Henry’s Creek.

RICHARD R. TURNEY

804-435-2767

waterview

LOCATED ON ROUTE200BETWEEN THEQUAINTTOWNSOFKILMARNOCK AND IRVINGTON