890 Kelley Neck Rd, Lancaster, VA, 22503
About This Home
BOATERS PARADISE - spacious Cape Cod on ~5 secluded acres offers PROTECTED DEEP-WATER DOCK boasting 50 ft slip, 2 boat lifts, and access to the best FISHING and BOATING in the CHESAPEAKE BAY area. Gravel path to the dock for easy provisioning by golf cart (conveys)! This move-in ready RIVER cottage crafted by Chesapeake homes offers quality details throughout including Hardi plank exterior, composite decks, and elevated homesite. The iconic front porch provides curb appeal and a charming entry to RIVER VIEWS from the library/den, living area, dining area, and what will surely be your favorite space, the expansive enclosed sun porch overlooking the huge grilling patio and the “RIVAH”. The updated kitchen with quartz countertops and SS appliances provides a wonderful den/breakfast nook overlooking the water, includes a propane burning stove, and opens to the sunroom and easy flow to living areas. The waterside primary ensuite provides more RIVER VIEWS. Main level also includes a guest room, full bath, laundry/ half bath and bonus office. The 2nd level offers a generous guest en-suite with RIVER VIEWS and tons of finished attic storage space. Two-car detached garage with workshop, garden shed, plus lean to protecting lawn equipment (riding mower conveys)! New roof (2024), new HVAC (2023), no HOA, no restrictions. Ideal for the sailing enthusiast seeking a hurricane hole, the avid angler, or the experienced sailor searching for a stepping off point for the next Caribbean adventure - this is a dream come true. Priced to sell under recent appraisal!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 2005
Materials
- Roof: Composition
- Construction materials: Frame,HardiPlank Type,Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cape Cod
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Water Heater
Basement
- Basement: Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Features
- Bedroom on Main Level,Dining Area,Eat-in Kitchen,Fireplace,Granite Counters,Skylights
- Window features: Skylight(s)
- Flooring: Carpet,Ceramic Tile,Vinyl,Wood
- Number of fireplaces: 2
- Fireplace features: Gas
- Fireplace: Yes
- Attic: Floored,Walk-In
- Finished area below ground: 0
- Finished area above ground: 2,696
Heating & Cooling
- Heating features: Electric,Heat Pump
- Cooling features: Electric,Heat Pump
Interior Area
- Total interior livable area: 2,696 sqft
Property
Details
- Parcel number: 21B14F
- Zoning description: R1
Features
- Levels: One and One Half
- Stories: 1
- Pool features: None
- Patio & porch: Front Porch,Patio,Deck,Porch
- Exterior features: Boat Lift,Deck,Dock,Out Building(s),Porch,Storage,Shed
- Fencing: Fenced,Partial
- On waterfront: Yes
- Waterfront features: Boat Ramp/Lift Access,Waterfront
- Frontage length: 138.0000,138.0000
Lot
- Lot size: 4.90 Acres
- Features: Waterfront
Parking
- Total spaces: 2
- Parking features: Detached,Garage,Workshop in Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Drought
- Hurricane
- Strong Wind
- Coastal Flooding
- Cold Wave
- Ice Storm
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across Virginia Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,424 | $53,088 |
| Home Insurance * | $431 | $5,172 |
| Property Taxes | $397 | $4,764 |
| Electricity | $259 | $3,116 |
| Total | $5,511 | $66,132 |
Income You'd Need if You Spent...
Virginia FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-06 | Pending sale | $875,000 |
| 2026-07-15 | Listed for sale | $875,000 |
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