20825 Mary Ball Rd, White Stone, VA, 22578
About This Home
A Timeless Beauty nestled on 18.1 +/- acres. Boasting with Charm this home was built in1903 and is well maintained. Located in White Stone, Virginia, in Lancaster County, which is located between the Rappahannock and Potomac Rivers at the Chesapeake Bay! The interior showcases Crown moldings, chair rail and trim, beautiful Staircase, Hardwood Floors, 3 Bedrooms, 2 Baths, Formal Dining and Living Room, Family Room with wood burning Fireplace, Office, Utility Room, Mud Room, and back Staircase. Virtual Staging AI on some rooms. The property has a large fenced in garden area and a Arboretum (See Feature Sheet). There is a 2 car Detached Garage with a 1,174 square foot guest house on the 2nd floor with 2 Bedrooms, 1 bath and opened Living Room and Kitchen. There is a deck with a small view to the Rappahannock River. Plenty of open land to have horses or a small farm. The open land is now being farmed. The Front Porch is the perfect rocking chair porch to sit and have your Coffee and enjoy the cool shade from the magnificent tree lined drive. A must to see! Home is being Sold "AS IS" "WHERE IS". All inspections are for informational purposes for the buyer. Virtual Staged
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1903
Materials
- Roof: Composition
- Construction materials: Plaster Walls,Sheetrock Walls,Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Farmhouse
- Property subType: Non-Waterfront Residential
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Wall Oven,Washer,Electric Water Heater
- Laundry features: Washer/Dryer Hookup
Basement
- Basement: Crawl Space
Bedroom1
- Level: Second
Bedroom2
- Level: Second
Bedroom3
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
Dining Room
- Features: Eat-in Kitchen
- Level: Main
Family Room
- Level: Main
Features
- Dining Room,Fireplace,Walk-In Closet(s)
- Flooring: Hardwood
- Number of fireplaces: 1
- Fireplace features: Family Room,One Fireplace
- Fireplace: Yes
- Attic: Storage,Pull Down Stairs
Heating & Cooling
- Heating features: Oil
- Cooling features: Central Air,Heat Pump
Interior Area
- Total structure area: 2,601
- Total interior livable area: 2,601 sqft
Kitchen
- Level: Main
Living Room
- Level: Main
Property
Details
- Parcel number: 34217
- Zoning description: R-1
Features
- Levels: Two
- Patio & porch: Deck,Patio
- Has view: Yes
- View description: River/Creek View
- Has water view: Yes
- Water view: River/Creek View
- Waterbody name: Rappahannock River
- Frontage length: 0
Lot
- Lot size: 18.13 Acres
- Features: 10-19.9 acres
Parking
- Total spaces: 2
- Parking features: Detached,Two Car
- 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
- Hurricane
- Cold Wave
- Drought
- Ice Storm
- Strong Wind
- 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 | $4,548 | $54,576 |
| Home Insurance * | $609 | $7,308 |
| Property Taxes | $402 | $4,824 |
| Electricity | $250 | $3,006 |
| Total | $5,809 | $69,708 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-11 | Price change | $929,500 |
| 2025-09-18 | Listed for sale | $949,500 |
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