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175 Shellfield Ln, Colonial Beach, VA, 22443

5beds
4baths
3,439sqft
$1,000,000
$291price/sqft
$6,336/moest. monthly cost
$253,440/yrincome needed

About This Home

Imagine you're at home surrounded by water views, watching a bald eagle fly to its nest, you're preparing the boat for an outing, or maybe just fishing the dock with legs dangling towards the water. Welcome to Shellfield Shores where gorgeous sunrises and awe-inspiring sunsets are a potential every day in those dreams. The home boasts 3,439 square feet of living space, a large two car garage, a back porch on each of the upper levels and a great space to grill and fill right out the basement doors. The main level consists of a large kitchen w/ granite countertops, and a large gas cook-stove & hood, and plentiful pantry and cabinet space. Adjacent kitchen is an eat-in dining area which flows into the living room, and both overlook the Rosier Creek. The formal living space is graced with a gas fireplace for the cool months and opens onto the main deck, then additional open space is set for a formal dining with chandelier, and finally a half bath. In the upper chambers you'll find the large primary suite with spanning windows to provide epic views out towards the water, another large room for an office or sitting area and gas fireplace exiting onto the upper deck, plus two additional bedroom spaces, one of which is a potential connected sitting area to the primary. The primary bathroom is just beyond the double walk-in closets, boasting separate vanities, a large soaking tub, a large tiled roman shower, a linens closet, and a separate privy chamber. The second upper bathroom is tub/shower combination with linen closet, and lastly the main laundry room with washer & dryer has an additional large linens/storage closet. Down in the basement you'll discover two large bedrooms, a full bathroom, a rec room, and a dining space with a kitchenette including a mini-fridge, microwave and sink, the main living areas open up out onto the back patio. Down on the dock, you'll find electric outlets and it's replete with one electric boat lift, 2 lights to manage your path, a water spigot, and retractable river ladder.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

9/10
Montross Middle SchoolGrades 6-819.0 mi
3/10

Construction

Condition

  • Property condition: Resale
  • Year built: 2006

Materials

  • Roof: Shingle
  • Construction materials: Brick,Concrete,Vinyl Siding,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Instant Hot Water

Basement

  • Has basement: Yes
  • Basement: Full,Interior Entry,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Flooring: Partially Carpeted,Wood
  • Attic: Access Only
  • Finished area below ground: 927
  • Finished area above ground: 2,512

Half Bath

  • Level: First

Heating & Cooling

  • Heating features: Electric,Heat Pump,Propane,Zoned
  • Cooling features: Heat Pump,Zoned

Interior Area

  • Total interior livable area: 3,439 sqft

Other

  • Level: Basement

Other

  • Level: Second

Property

Details

  • Parcel number: 2C 5

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Rear Porch,Patio,Screened
  • Fencing: None
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Bulkhead,Waterfront
  • Waterbody name: Rosier Creek

Lot

  • Lot size: 0.45 Acres
  • Features: Cul-De-Sac,Waterfront

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Garage Door Opener,Oversized
  • 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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Drought
    DroughtModerate
  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Drought
Hurricane
Lightning
Strong Wind
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 $5,056$60,672
Home Insurance *$377$4,524
Property Taxes $572$6,864
Electricity $331$3,974
Total$6,336$76,032
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$217,234/yr
40% on housing$190,080/yr
45% on housing$168,960/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

$291This listing

vs Other Active Listings

Avg $/sqft

ZIP 22443$175
Westmoreland County$183

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
2026-03-11Listed for sale$1,000,000
2015-10-09Sold$90,000
2005-12-30Sold$350,000

For Sale by Agent

AgentEdwin Wyant
BrokerageSamson Properties

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