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2276 Mosquito Point Rd, White Stone, VA, 22578

4beds
4baths
3,470sqft
$2,495,000
$719price/sqft
$15,758/moest. monthly cost
$630,320/yrincome needed

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

0
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

4/10
6/10
Lancaster High SchoolGrades 8-1211.9 mi

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
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Cold Wave
Drought
Ice Storm
Strong Wind
Tsunami

FEMA Declared Disasters Across Virginia Counties

Severe Storm
Winter Storm

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

MonthlyAnnual
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
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$540,274/yr
40% on housing$472,740/yr
45% on housing$420,213/yr

Virginia FAIR Plan Programs

Virginia Property Insurance Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 22,622Commercial: 503
Total Premiums$20.86M
Total Exposure$4.29B

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.

Insurance Growth Rate5-year average: 5.4%
5.4%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$719This listing

vs Other Active Listings

Avg $/sqft

ZIP 22578$321
Lancaster County$256

vs Homes Sold Last Month

Median $/sqft

ZIP 22578
Lancaster County$245

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

DateEventPrice
2026-05-07Listed for sale$2,495,000
2026-05-01Listing removed$2,495,000
2026-02-01Listed for sale$2,495,000
2026-02-01Listing removed$2,495,000
2025-08-26Price change$2,495,000
2025-08-08Listed for sale$2,600,000
2025-08-01Listing removed$2,600,000
2024-11-04Listed for sale$2,600,000

For Sale by Agent

AgentEmily E. Carter
BrokerageJim & Pat Carter Real Estate

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