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255 Bayberry Ln, Reedville, VA, 22539

3beds
3baths
1,824sqft
$799,000
$438price/sqft
$5,236/moest. monthly cost
$209,440/yrincome needed

About This Home

Escape to your own private Chesapeake Bay retreat with this charming 3-bedroom, 2-bath waterfront cottage set on nearly 3 acres of peaceful privacy. Surrounded by breathtaking water views, this exceptional property offers a rare opportunity to enjoy the beauty of the Bay from the comfort of your own home. Designed to capture the spectacular setting, five rooms showcase panoramic waterfront views, while the expansive front room is wrapped in windows, filling the home with natural light and creating a seamless connection to the outdoors. Whether you're relaxing with a morning coffee or entertaining guests, every moment is framed by the ever-changing scenery. The dining area offers a truly unique experience, making you feel as though you're dining aboard a ship as you overlook the sparkling waters of the Chesapeake Bay and watch ships gracefully pass by. Adding to the property's natural beauty is a picturesque pond that attracts an array of wildlife throughout the seasons, including graceful swans, ducks, and playful otters. The tranquil setting provides endless opportunities for birdwatching, photography, or simply enjoying nature at its finest. A separate guest quarters/bunkhouse offers comfortable accommodations for family and friends, making this an ideal property for hosting weekend getaways or creating lasting memories with loved ones. Whether you're looking for a year-round residence, a vacation escape, or a waterfront investment, this one-of-a-kind Chesapeake Bay cottage offers unmatched privacy, captivating views, and the peaceful waterfront lifestyle.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
5/10
5/10
Northumberland High SchoolGrades 9-1211.4 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1965

Materials

  • Roof: Composition
  • Construction materials: Drywall,Frame,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow,Cottage
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Water Heater,Microwave,Refrigerator,Stove,Washer

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Bedroom on Main Level,Ceiling Fan(s),Paneling/Wainscoting
  • Flooring: Carpet,Laminate,Vinyl
  • Attic: Access Only
  • Finished area below ground: 0
  • Finished area above ground: 1,824

Heating & Cooling

  • Heating features: Electric,Floor Furnace,Heat Pump,Oil
  • Cooling features: Heat Pump

Interior Area

  • Total interior livable area: 1,824 sqft

Property

Details

  • Parcel number: 45B151,52
  • Zoning description: res

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Deck
  • Exterior features: Deck
  • Fencing: None
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Bayfront,Bulkhead,Waterfront
  • Waterbody name: Chesapeake Bay

Lot

  • Lot size: 2.93 Acres
  • Features: Cleared,Wetlands

Parking

  • Total spaces: 2
  • Parking features: Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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
  • 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
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 $4,040$48,480
Home Insurance *$483$5,796
Property Taxes $511$6,132
Electricity $202$2,433
Total$5,236$62,832
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$179,520/yr
40% on housing$157,080/yr
45% on housing$139,626/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

$438This listing

vs Other Active Listings

Avg $/sqft

ZIP 22539$229
Northumberland County$240

vs Homes Sold Last Month

Median $/sqft

ZIP 22539
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
2026-07-29Listed for sale$799,000

For Sale by Agent

AgentBecky Haynie
BrokerageLong & Foster Real Estate

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