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1167 Ottoman Ferry Rd, Lancaster, VA, 22503

3beds
3baths
4,188sqft
$1,495,000
$357price/sqft
$9,368/moest. monthly cost
$374,720/yrincome needed

About This Home

Set along the calm, protected waters of Lowrey’s Creek—with quick access out to the Corrottoman River—offers deep, protected anchorage at a private pier designed for serious boating. Featuring multiple slips, 6’ MLW, a covered lift, and space to accommodate a sailboat, this is a rare haven for boaters seeking both accessibility and protection in a peaceful, scenic setting. Privately tucked behind a gated entrance, the property spans over 19 acres with 600+ feet of waterfront, creating a truly secluded retreat surrounded by mature trees and natural beauty. With no restrictions and horses welcome, the possibilities here are as expansive as the land itself. The custom-built residence is a one-of-a-kind architectural statement, showcasing high-end craftsmanship throughout. A striking curved brick entrance and dramatic two-story arched foyer set the tone, leading into thoughtfully designed living spaces with soaring 21’ ceilings, a grand fireplace, and a stunning two-story library. The versatile floor plan offers flexibility for a variety of lifestyles, with the potential for multiple bedrooms, guest suites, home offices, or creative spaces. Designed with both function and luxury in mind, the property features multiple climate-controlled garages, including a showcase bay, along with a large RV/carport offering ample space for vehicles, boats, or recreational equipment. Outdoor living is equally impressive, with landscaped grounds, gardens, and tranquil waterfront settings. Remarkable setting, delivering a rare combination of waterfront excellence, acreage, and architecture.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

4/10
6/10
Lancaster High SchoolGrades 8-124.8 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1990

Materials

  • Roof: Composition
  • Construction materials: Brick,Drywall,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Oven,Cooktop,Dryer,Dishwasher,Electric Water Heater,Microwave,Range,Refrigerator,Washer

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Bookcases,Built-in Features,Cathedral Ceiling(s),Dining Area,Fireplace,Granite Counters,High Ceilings,Hot Tub/Spa,Jetted Tub,Main Level Primary,Walk-In Closet(s)
  • Flooring: Carpet,Marble,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Attic: Access Only
  • Finished area below ground: 0
  • Finished area above ground: 4,188

Heating & Cooling

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

Interior Area

  • Total interior livable area: 4,188 sqft

Property

Details

  • Parcel number: Tax Map# 20188A, LR18/1876
  • Zoning description: R1

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Rear Porch,Deck
  • Exterior features: Boat Lift,Deck,Dock
  • Has spa: Yes
  • Spa features: Hot Tub
  • Fencing: Fenced,Privacy
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Creek,Dock Access,Mooring,Boat Ramp/Lift Access,Waterfront
  • Waterbody name: Lowrey Creek
  • Frontage length: 600.0000,600.0000

Lot

  • Lot size: 19.33 Acres
  • Features: Waterfront

Parking

  • Total spaces: 4
  • Parking features: Attached,Circular Driveway,Garage
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • 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

  • Drought
    DroughtRelatively High
  • Hurricane
    HurricaneRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Drought
Hurricane
Strong Wind
Coastal Flooding
Cold Wave
Ice Storm
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 $7,559$90,708
Home Insurance *$737$8,844
Property Taxes $669$8,028
Electricity $403$4,840
Total$9,368$112,416
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$321,188/yr
40% on housing$281,040/yr
45% on housing$249,813/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: 5.4%
5.4%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$357This listing

vs Other Active Listings

Avg $/sqft

ZIP 22503$231
Lancaster County$271

vs Homes Sold Last Month

Median $/sqft

ZIP 22503
Lancaster County$245

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
2026-04-25Listed for sale$1,495,000

For Sale by Agent

AgentDavid Dew
BrokerageIsabell K. Horsley R. E., Ltd.

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