




2276 Mosquito Point Rd, White Stone, VA, 22578
About This Home
Poised at the storied confluence of the Rappahannock River and the Chesapeake Bay, this exceptional 4.8-acre waterfront estate represents a rare convergence of privacy, natural grandeur, and timeless Tidewater architecture. A winding gravel lane meanders through park-like grounds past towering hardwoods and sweeping lawns, offering tantalizing glimpses of open water before the bay reveals itself in full — a narrow barrier island shimmering on the horizon, the sky vast and endlessly open overhead. Built in 1940 and positioned atop a gentle knoll, the 3,470-square-foot residence commands breathtaking bay vistas, brilliant sunrises, and moonrises that paint the Rappahannock silver. The generous living room, anchored by a handsome masonry fireplace, opens onto a long deck spanning the full length of the home — an incomparable perch for morning coffee, sunset gatherings, and everything in between. The soothing rhythm of waves against the shoreline and the ever-shifting quality of bay light make even an ordinary afternoon feel rare, unhurried, and deeply restorative out on that long, lovely deck. A light-filled dining room is refined yet warmly welcoming. The cozy family room with full bath invites easy everyday living, while the kitchen’s bright breakfast nook frames captivating water views at every meal. The generous first-floor primary suite is a true retreat — its own fireplace, a private riverside deck, two walk-in closets, and a spacious bath. Upstairs, four bedrooms and two full baths are arranged across two wings connected by a charming hall, ideally suited for families and guests of all generations. Offered with full acknowledgment that updating and remodeling await the next steward, the home is priced accordingly— a compelling opportunity to craft something truly personal and enduring in one of the most coveted settings on the Northern Neck. A screened porch, fenced pool terrace, an attached three-bay garage, private pier, and a pristine sandy beach complete this once-in-a-generation Chesapeake Bay estate.
Getting Around
Schools
Construction
Condition
- Property condition: Resale
- Year built: 1940
Materials
- Roof: Composition
- Construction materials: Frame,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Other,Two Story
- Property subType: Single Family Residence
Interior
Basement
- Has basement: Yes
- Basement: Partial
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 4
Features
- Bedroom on Main Level,Ceiling Fan(s),Separate/Formal Dining Room,Eat-in Kitchen,Fireplace,Walk-In Closet(s)
- Flooring: Carpet,Wood
- Fireplace features: Masonry
- Fireplace: Yes
- Attic: Walk-In
- Finished area below ground: 0
- Finished area above ground: 3,470
Heating & Cooling
- Heating features: Electric,Heat Pump,Propane
- Cooling features: Central Air,Heat Pump
Interior Area
- Total interior livable area: 3,470 sqft
Property
Details
- Parcel number: 39A111
- Zoning description: R1
Features
- Pool features: In Ground,Pool
- Patio & porch: Screened,Stoop,Deck,Porch
- Exterior features: Deck,Dock,Out Building(s),Porch
- Fencing: None
- On waterfront: Yes
- Waterfront features: Navigable Water,River Front,Waterfront
- Waterbody name: Rappahannock River
- Frontage length: 236.0000,236.0000
Lot
- Lot size: 4.80 Acres
- Features: Beach Front,Dead End,Waterfront
- Lot size dimensions: 4.8
Parking
- Total spaces: 3
- Parking features: Attached,Garage,Oversized
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
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 | $12,616 | $151,392 |
| Home Insurance * | $1,691 | $20,292 |
| Property Taxes | $1,117 | $13,404 |
| Electricity | $334 | $4,010 |
| Total | $15,758 | $189,096 |
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 |
|---|---|---|
| 2026-05-07 | Listed for sale | $2,495,000 |
| 2026-05-01 | Listing removed | $2,495,000 |
| 2026-02-01 | Listed for sale | $2,495,000 |
| 2026-02-01 | Listing removed | $2,495,000 |
| 2025-08-26 | Price change | $2,495,000 |
| 2025-08-08 | Listed for sale | $2,600,000 |
| 2025-08-01 | Listing removed | $2,600,000 |
| 2024-11-04 | Listed for sale | $2,600,000 |
