Waterfront - Primary on Main
Address
1387 N Independence Drive, Montross, VA
Price
$ 450,000
Property Attributes
- ID#VAWE2011914
- TypeSingle Family
- Listing Status ACTIVE UNDER CONTRACT
- CountyWESTMORELAND
- CityMontross
- NeighborhoodStratford Harbour
- Zip22520
- StyleContemporary
- Year Built1962
- Taxes$ 1992
- Price$ 450,000
- Bedrooms4
- Full Bathrooms2
- Half Bathrooms0
- Sqr Footage2577
- Lot Size0.8 Acres
Data Source:
Bright MLS
Property Description
Back on market because Buyer could not qualify for the loan assumption. ASSUMABLE FHA LOAN AT 2.75%. Call agent for more information. If you've been waiting for the perfect Northern Neck waterfront lifestyle without the waterfront price tag, this is the opportunity you've been searching for. Offered at just $450,000, this beautifully updated 2,288-square-foot home is one of the best values currently available in Stratford Harbour, one of Montross, Virginia's premier waterfront communities on the Potomac River. Situated on a shaded lot overlooking the Potomac River, this 4-bedroom, 2-bath home blends timeless character with extensive recent renovations, allowing you to enjoy peace of mind along with breathtaking water views. In 2025, the home underwent significant improvements including fully remodeled bathrooms, new flooring throughout, new front picture windows, exterior siding repairs and fresh paint, new upstairs electrical and plumbing, a freshly painted basement, and a brand-new deck designed for outdoor entertaining. In 2026, new gutters were installed, further enhancing the home's value and curb appeal. Inside, you'll find rich tile flooring, an upgraded kitchen, a formal dining room, a cozy fireplace, an expansive sunroom filled with natural light, and a spacious primary suite complete with its own private balcony overlooking the water. Large windows throughout the home frame spectacular Potomac River views, unforgettable sunsets, and the natural beauty that has made Virginia's Northern Neck one of the region's most desirable waterfront destinations. Step outside onto the new deck and enjoy a setting designed for entertaining family and friends, relaxing with your morning coffee, or simply watching boats cruise the Potomac while bald eagles soar overhead. Living in Stratford Harbour means you're not just purchasing a homeyou're investing in an exceptional waterfront lifestyle. Residents enjoy exclusive access to: Private Shark Tooth Beach along the Potomac River 110-acre freshwater lake for boating, fishing, and kayaking Community swimming pool Clubhouse Tennis and pickleball courts Playground Year-round community events and activities Whether you're searching for a primary residence, vacation home, weekend getaway, retirement retreat, or investment property, this home delivers exceptional value in one of Westmoreland County's most sought-after waterfront communities. Finding a home offering Potomac River views, over 2,200 square feet of living space, extensive recent renovations, resort-style amenities, and this level of affordability is becoming increasingly rare. Conveniently located near historic Montross, Stratford Hall, Colonial Beach, Tappahannock, and within an easy drive of Fredericksburg, Richmond, Northern Virginia, and the Washington, D.C. metropolitan area, this property offers the perfect combination of peaceful waterfront living and convenient accessibility. 1387 N. Independence Drive represents an outstanding opportunity to own more home, more updates, more amenities, and more lifestyle for your investment than many competing properties in today's market. Don't miss one of the best values currently available in Stratford Harbour. Schedule your private showing today and discover why this beautifully updated Potomac River view home is the opportunity buyers have been waiting for.
| Elementary School | Middle School | High School |
|---|---|---|
| Montross Elementary School | Montross Middle School | Washington & Lee High School |
| Price History | |
|---|---|
| 8/5/2026 | Listed $450,000 |
General Features
| Living Area | 2577 |
|---|---|
| Sewer | Septic = # of BR |
| Heating | Central |
| Cooling | Central A/C |
| Possession | Immediate |
| Appliances | Built-In Microwave,Dishwasher,Dryer,Refrigerator,Stove,Washer |
| Zoning | R1 |
| HOA Fee | 450.00 |
| Patio/Porch Features | Deck(s) |
| Architectural Style | Contemporary |
| Construction Materials | HardiPlank Type |
| School District | WESTMORELAND COUNTY PUBLIC SCHOOLS |
| Year Built | 1962 |
| View | River |
| Levels | 2 |
| Tax Year | 2025 |
| Ownership | Other |
| Cool Fuel | Electric |
| Accessibility | None |
| Assoc Fee Paid Per | Annually |
| County | WESTMORELAND |
| New Construction | No |
| Property Type | Residential |
| Association Amenities | Basketball Courts,Beach,Club House,Hot tub,Pickleball Courts,Picnic Area,Pool - Outdoor,Soccer Field,Tennis Courts,Tot Lots/Playground,Water/Lake Privileges |
| HOA | Yes |
| Subdivision Name | STRATFORD HARBOUR |
| Garage Y/N | No |
| Water Access Y/N | No |
| Other Structures | Above Grade,Below Grade |
| Full Baths | 2 |
| Status | ACTIVE UNDER CONTRACT |
| Directions | Rt. 3 East. Turn left onto VA-214E. Turn left onto State Rt. 609. Turn left onto State Rt. 1601. Clubhouse- continue down N Ind. drive half mile til sign Stratford harbour on left,brick building is |
| City | MONTROSS |
| Association Name | STRATFORD HARBOUR PROPERTY OWNERS ASSOCIATION |
| Senior Community Y/N | No |
| Tax Assessed Value | 292900.0 |
| Tax Annual Amount | 1992.0 |
| Property Condition | Good |
| Structure Type | Detached |
| Condo/Coop Association fee Y/N | No |
| Bathrooms Full Main Level | 1 |
| Bathrooms Count Main Level | 1.00 |
| Price Per Sq Ft Total AG | 253.24 |
| Vacation Rental Y/N | No |
| Total SQFT | 2577 |
| Location Type | River |
| Standard Status | Active Under Contract |
| Year Built Source | Estimated |
| Legal Subdivision | KINGS GRANT BLUFFS |
| Tax Lot | 179 |
Interior Features
| Interior Amenities | Crown Moldings |
|---|---|
| Heating Fuel | Electric |
| Basement | Fully Finished,Interior Access,Outside Entrance |
| Flooring | Ceramic Tile |
| Total Fireplaces | 1 |
| Fireplace Features | Wood |
| Hot Water | Electric |
| Basement (Y/N) | Yes |
| Heating Y/N | Yes |
| Fireplace Y/N | Yes |
| Above Grade Finished Area | 1777 |
| Central Air Y/N | Yes |
| Total Bedrooms | 4 |
| Below Grade Finished Area | 800 |
| Main Level Bedrooms | 1 |
| Below Grade Finished Area Unit Type | Square Feet |
| LivingAreaSource | Estimated |
| Laundry Type | Basement |
| Below Grade Finished Area Source | Estimated |
| Bedrooms Count All Upper Levels | 3 |
| Bedrooms Count Upper Level 1 | 3 |
| Bathrooms Full Upper Level 1 | 1 |
| Bathrooms Full All Upper Levels | 1 |
| Bathrooms Count Upper Level 1 | 1.00 |
| Bathrooms Count All Upper Levels | 1 |
| Above Grade Finished Area Source | Estimated |
| Above Grade Finished Area Unit Type | Square Feet |
| Total Baths | 2 |
Exterior Features
| Pool | Yes - Community |
|---|---|
| Lot Features | Partly Wooded |
| Water Source | Public |
| Total Parking Spaces | 2 |
| Type of Parking | Driveway |
| Foundation Details | Concrete Perimeter |
| Water View Y/N | Yes |
| Lot Dimensions | .8 acres |
| Water Body Type | River |
| Waterfront Y/N | Yes |
| Navigable Water Y/N | No |
| Water Oriented Y/N | Yes |
Amenities
- Foreclosure
- Views
- Short Sale
- New Construction
- Adult 55+
- Lease To Own
- No HOA Fees
- Furnished
- Primary On Main
- Air Conditioning
- Seller Finance
- Green
- Fixer Upper
- Horse
- Golf
- Fireplace
- Deck
- Garage
- Basement
- Pool
Property vs Single Family Average in 22520
Price
Taxes
Year Built
Visits
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