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508 Latane Dr, Colonial Beach, VA, 22443

2beds
1baths
848sqft
$249,900
$295price/sqft
$1,702/moest. monthly cost
$68,080/yrincome needed

About This Home

Your Beach Getaway Awaits! Charming 2BR/1BA cottage in Ebb Tide Beach, a water-oriented community just minutes to Colonial Beach! Features vaulted ceiling, cozy brick fireplace with gas logs, hardwood floors, crown molding, ceiling fans and stainless steel appliances. With voluntary HOA, enjoy access to community beach, boat launch and pavilion, perfect for relaxing weekends by the water. Great as a full -time home or weekend getaway! Convenient to D.C. metro area, Richmond, Fredericksburg and Dahlgren, VA.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

9/10
Montross Middle SchoolGrades 6-813.4 mi
3/10

Construction

Condition

  • Property condition: Good
  • Year built: 1974

Materials

  • Foundation: Concrete Perimeter,Block,Crawl Space
  • Construction materials: Vinyl Siding

Notable Dates

  • Major remodel year: 1990

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Oven/Range - Electric,Refrigerator,Washer/Dryer Stacked,Microwave,Electric Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Attic,Kitchen - Table Space,Crown Molding,Beamed Ceilings,Vaulted Ceiling(s)
  • Door features: French Doors
  • Window features: Bay/Bow
  • Flooring: Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas/Propane
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 848

Heating & Cooling

  • Heating features: Heat Pump,Electric,Propane
  • Cooling features: Central Air,Heat Pump,Electric

Interior Area

  • Total structure area: 848
  • Total interior livable area: 848 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 10B 7 P 11
  • Zoning: R2
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Waterfront features: River
  • Waterbody name: Mattox Creek / Potomac

Lot

  • Lot size: 10,454 sqft
  • Features: Cleared

Parking

  • Parking features: Off Street,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

  • Hurricane
    HurricaneRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Strong Wind
Coastal Flooding
Drought
Hail
Inland Flooding
Lightning
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 $1,263$15,156
Home Insurance *$94$1,128
Property Taxes $143$1,716
Electricity $202$2,433
Total$1,702$20,424
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$58,354/yr
40% on housing$51,060/yr
45% on housing$45,386/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: 6.4%
6.4%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 4.9%
4.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$295This listing

vs Other Active Listings

Avg $/sqft

ZIP 22443$181
Westmoreland County$186

vs Homes Sold Last Month

Median $/sqft

ZIP 22443
Westmoreland County$236

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
2025-05-19Sold$125,000

Coming Soon

AgentNANCY Cooper
BrokerageColdwell Banker Elite

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