450 Newtown Rd, White Stone, VA, 22578
About This Home
Waterfront Homestead on 3.36 Acres – Carter’s Creek. Discover the ultimate private retreat in White Stone! This updated 3.36-acre waterfront property offers a true homestead experience just minutes from Irvington’s shops and dining. Ideal for gardeners, nature lovers, or a peaceful primary residence or getaway. The Home: Renovated coastal kitchen with quartz countertops, premium fixtures, and new appliances. Soaring ceilings, gas fireplace, and a space-saving spiral staircase highlight expansive wooded and water views. Home offers 2 bedrooms plus an open loft sleeping area accessed by ladder-style stairs, providing flexible use for guests or studio space. Served by a three-bedroom septic system offering future flexibility. The Waterfront: A private boardwalk leads to a substantial dock at the headwaters of Carter’s Creek. Protected waterfront with approx. 2–3 ft MLW (per owner; purchaser to verify) supports boating, fishing, crabbing, kayaking, paddleboarding, and waterfront enjoyment. The Property: Established gardens and chickens convey. A quarter-mile shared drive ensures privacy while remaining close to Irvington and White Stone amenities.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 2004
Materials
- Roof: Metal
- Construction materials: Block,Concrete,Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Farmhouse,Modern
- Property subType: Farm,Single Family Residence
Interior
Appliances
- Appliances included: Double Oven,Dishwasher,Exhaust Fan,Electric Water Heater,Freezer,Gas Cooking,Ice Maker,Microwave,Refrigerator,Range Hood,Wine Cooler
- Laundry features: Washer Hookup,Dryer Hookup
Basement
- Has basement: Yes
- Basement: Partially Finished,Sump Pump
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Dining Room
- Level: First
- Dimensions: 13.2 x 15.0
Features
- Wet Bar,Bookcases,Built-in Features,Bedroom on Main Level,Fireplace,Granite Counters,High Ceilings,High Speed Internet,Loft,Pantry,Recessed Lighting,Cable TV,Wired for Data,Walk-In Closet(s),Window Treatments
- Door features: Sliding Doors
- Window features: Screens,Window Treatments
- Flooring: Vinyl,Wood
- Number of fireplaces: 1
- Fireplace features: Gas
- Fireplace: Yes
- Attic: Floored,Pull Down Stairs,Partially Finished
- Finished area below ground: 0
- Finished area above ground: 1,779
Half Bath
- Level: Second
Heating & Cooling
- Heating features: Heat Pump,Hot Water,Propane
- Cooling features: Heat Pump
Interior Area
- Total interior livable area: 1,779 sqft
Kitchen
- Level: First
- Dimensions: 8.6 x 9.10
Living Room
- Level: First
- Dimensions: 19.3 x 22.9
Master Bedroom
- Level: Second
- Dimensions: 8.0 x 6.0
Master Bedroom
- Level: First
- Dimensions: 9.6 x 13.6
Other
- Level: First
Recreation
- Level: Second
- Dimensions: 14.4 x 15.0
Property
Details
- Parcel number: 34158D
- Zoning description: R1
Features
- Levels: Two
- Stories: 2
- Pool features: None
- Patio & porch: Rear Porch,Front Porch,Screened,Deck,Porch
- Exterior features: Deck,Dock,Lighting,Porch,Storage,Shed,Unpaved Driveway
- Fencing: None
- On waterfront: Yes
- Waterfront features: Creek,Waterfront
Lot
- Lot size: 3.36 Acres
- Features: Fruit Trees,Steep Slope,Wetlands,Waterfront
Parking
- Parking features: Driveway,Unpaved
- Has uncovered spaces: Yes
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
- Coastal Flooding
- Hurricane
- Cold Wave
- Drought
- Ice Storm
- Strong Wind
- 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 | $3,159 | $37,908 |
| Home Insurance * | $423 | $5,076 |
| Property Taxes | $279 | $3,348 |
| Electricity | $202 | $2,433 |
| Total | $4,063 | $48,756 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-10 | Price change | $624,900 |
| 2026-03-19 | Listed for sale | $635,000 |
| 2020-07-20 | Sold | $323,000 |
| 2020-06-19 | Pending sale | $349,000 |
| 2020-01-22 | Listed for sale | $349,000 |
| 2014-06-02 | Sold | $225,000 |
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