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100 Ferry Point Rd, Burgess, VA, 22432

4beds
5baths
3,265sqft
$1,275,000
$391price/sqft
$8,363/moest. monthly cost
$334,520/yrincome needed

About This Home

Welcome to an extraordinary custom-built home that epitomizes luxury & tranquility on the picturesque Great Wicomico River with over 6 ft. MLW at the private dock. Situated on 1 waterfront lot and includes a second waterfront lot w/4BR Septic Letter for a total of 4.87 private acres offering privacy & surrounded by the natural beauty of Virginia’s Northern Neck. This home features a thoughtfully designed open floor plan that caters to both comfort & entertainment w/ multiple gathering areas, and so many possibilities for staging. The kitchen includes granite countertops, stainless steel appliances, gas cooking, a breakfast nook overlooking a picturesque view, & a spacious island w/ bar seating on both sides, large enough to seat 6. Adjacent to the kitchen is a large laundry room & butler's pantry, providing tons of storage. The waterside great room, a central highlight of the home, boasts a gas fireplace, a built-in entertainment center & sliding doors that open onto a waterside deck. Both the dining & living areas offer breathtaking water views & include a gas fireplace & built-in dining & bar storage. A dedicated waterside office offers a private & scenic workspace. The main floor features the primary bedroom suite w/ a walk-in closet w/ storage system, two additional closets, deck access w/ water views, & an en suite bathroom featuring marble floors, tiled shower, dual vanity w/ granite counters, stainless steel sinks & a heated tub w/ jets & bubbles. The first floor also has two guest bedrooms, a full bathroom, & a powder room, while the second level offers a large bedroom en suite w/ expansive water views, a walk-in closet, & a full bathroom. Outdoor living is elevated w/ a multi-level waterside deck & patio, complete w/ multiple sitting areas, dining spaces, a firepit, & fountain. The attached garage features two deep bays, is fully insulated & finished w/ insulated garage doors, a kitchen, full bathroom, two large closets, & a painted cement floor. This property is ideally located by water, offering some of the finest fishing grounds, & deep, quick access to the Bay. The protected tributaries of the Great Wicomico River provide year-round exploration opportunities, w/ frequent visits from dolphins & rays. A deep-water protected pier & boardwalk over a tidal pond offer so many opportunities to explore this awesome habitat, including catching minnows, soft shells, blue crabs, & croakers, alongside sightings of blue herons & bald eagles. The beautifully landscaped grounds feature layered blooms of roses, day lilies, amaryllis, calla lilies, hostas, lavender, and more. The home has been lovingly maintained and upgraded: new commercial-grade gutters, new roof, & 1 year home warranty conveys! Located in a lovely community of waterfront homes with no HOA, and no community restrictions on short-term rentals. There is room to install a waterside pool. All Points Broadband is already installed. Owner is a licensed Realtor in the Commonwealth of VA.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

5/10
5/10

Construction

Condition

  • Property condition: Excellent
  • Year built: 1997

Materials

  • Foundation: Crawl Space,Brick/Mortar
  • Roof: Architectural Shingle
  • Construction materials: Frame,Stick Built,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Transitional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Dryer,Oven/Range - Gas,Refrigerator,Stainless Steel Appliance(s),Washer,Water Heater
  • Laundry features: Has Laundry,Main Level

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 5
  • Main level bedrooms: 4

Features

  • Attic,Bathroom - Tub Shower,Breakfast Area,Butlers Pantry,Ceiling Fan(s),Combination Dining/Living,Entry Level Bedroom,Family Room Off Kitchen,Open Floorplan,Formal/Separate Dining Room,Kitchen - Gourmet,Kitchen Island,Pantry,Crown Molding,Recessed Lighting,Walk-In Closet(s),Dry Wall,9'+ Ceilings
  • Flooring: Carpet,Hardwood,Marble,Wood
  • Number of fireplaces: 2
  • Fireplace features: Wood Burning,Gas/Propane
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,265

Heating & Cooling

  • Heating features: Heat Pump,Electric,Propane
  • Cooling features: Ceiling Fan(s),Heat Pump,Electric

Interior Area

  • Total structure area: 3,265
  • Total interior livable area: 3,265 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: NO TAX RECORD
  • Zoning: R2
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: None
  • Patio & porch: Deck,Patio
  • Exterior features: Extensive Hardscape,Water Falls
  • Has spa: Yes
  • Spa features: Bath
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: Private Dock Site,Shared,River,Boat - Powered,Canoe/Kayak,Fishing Allowed,Personal Watercraft (PWC),Private Access,Swimming Allowed,Waterski/Wakeboard
  • Waterbody name: Great Wicomico River
  • Frontage length: Water Frontage Ft: 122

Lot

  • Lot size: 4.87 Acres
  • Features: Front Yard,Fishing Available,Additional Lot(s),Landscaped,Level,Private,Rear Yard

Parking

  • Total spaces: 4
  • Parking features: Garage Faces Front,Storage,Garage Door Opener,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered 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

  • Strong Wind
    Strong WindVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Coastal Flooding
Hurricane
Cold Wave
Drought
Inland Flooding
Ice Storm
Tornado
Winter Weather
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 $6,447$77,364
Home Insurance *$786$9,432
Property Taxes $816$9,792
Electricity $314$3,773
Total$8,363$100,356
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$286,731/yr
40% on housing$250,890/yr
45% on housing$223,013/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: 6.0%
6.0%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$391This listing

vs Other Active Listings

Avg $/sqft

ZIP 22432$291
Northumberland County$239

vs Homes Sold Last Month

Median $/sqft

ZIP 22432
Northumberland County$211

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
2026-08-02Price change$1,275,000
2026-06-23Listed for sale$1,375,000

For Sale by Agent

AgentLisa Shultz
BrokerageLong & Foster Real Estate, Inc.

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