85 Harvey Ln, Heathsville, VA, 22473
About This Home
Experience the best of the Northern Neck at 85 Harvey Lane, a turn-key 3-bedroom, 2-bathroom home in the golf-cart community of Towles Landing. Completely transformed over the past year, this move-in-ready residence boasts fresh paint, brand-new LVP flooring, and beautiful European-style sunroom, equipped with split units, overlooking the fenced-in backyard, perfect for keeping pets and children within view. High-efficiency upgrades include energy efficient solar panels, a generator, a new electrical panel, and a propane fireplace, making the home both cozy and energy efficient. Situated just minutes from Ingram Bay Marina and featuring many community amenities for its residents including private water access, endless sunsets, and access to the community dock equipped with a gorgeous gazebo overlooking Harveys Creek at the mouth of the Chesapeake Bay. This property offers an unparalleled coastal lifestyle with endless water views, as well as truly enviable boating, swimming, and fishing opportunities. As an added bonus, the seller has opted to complete a Home Inspection, prior to putting the home on the market, and has addressed all major repairs, ensuring a seamless transition for the next owner! (The Home Inspection Report is attached to listing for review). Book a tour and see all that the 'Rivah Lifestyle' has to offer! Take a look at the attached energy expenses!!! Amazing
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1989
Materials
- Roof: Composition
- Construction materials: Sheetrock Walls,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Water View Residential
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Range,Range Hood,Refrigerator,Washer,Electric Water Heater
- Laundry features: Washer/Dryer Hookup
Basement
- Basement: Conditioned Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Features: Great Room Combination,Dining Area,Eat-in Kitchen
Features
- 1st Floor Bedroom,Cathedral/Vaulted/Tray Ceilings,Dining Room,Fireplace,Great Room,Special Lighting,Walk-In Closet(s)
- Door features: Insulated Doors
- Window features: Double Pane Windows
- Flooring: Tile
- Number of fireplaces: 1
- Fireplace features: Great Room,Gas Log,One Fireplace
- Fireplace: Yes
- Attic: Pull Down Stairs
Heating & Cooling
- Heating features: Electric,Forced Air,Natural Gas,Heat Pump
- Cooling features: Ceiling Fan(s),Central Air,Electric,Gas
Interior Area
- Total structure area: 1,612
- Total interior livable area: 1,612 sqft
Property
Details
- Parcel number: 44D120
- Zoning description: SFR
Features
- Levels: One
- Patio & porch: Deck,Patio
- Fencing: Fenced
- Has view: Yes
- View description: River/Creek View
- Has water view: Yes
- Water view: River/Creek View
- Waterfront features: Water Access-Private
- Waterbody name: Chesapeake Bay
- Frontage length: 0
Lot
- Lot size: 0.58 Acres
- Features: .5-.9 acre
Parking
- Parking features: None,Paved Driveway
- 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
- Strong Wind
- Coastal Flooding
- Hurricane
- Cold Wave
- Drought
- Inland Flooding
- Ice Storm
- Tornado
- Winter Weather
- 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 | $1,848 | $22,176 |
| Home Insurance * | $233 | $2,796 |
| Property Taxes | $234 | $2,808 |
| Electricity | $202 | $2,433 |
| Total | $2,517 | $30,204 |
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 |
|---|---|---|
| 2026-06-13 | Price change | $365,500 |
| 2026-06-06 | Listed for sale | $495,000 |
For Sale by Agent
View on Zillow