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1753 N Independence Dr, Montross, VA, 22520

5beds
4baths
2,084sqft
$649,999
$312price/sqft
$4,174/moest. monthly cost
$166,960/yrincome needed

About This Home

Don’t delay! Opportunities like this DON’T happen often! Now offering a very rare Stratford Harbour property with outstanding Potomac River views, nearly 2 acres across three lots, a separate 2-bedroom guest apartment, and a large boat garage — all in one exceptional property at a substantially improved price! Welcome to one of the most unique and remarkable river-view homes in the highly desirable waterfront community of Stratford Harbour in Montross, Virginia. This beautiful colonial-style residence, built in 1998, offers stunning views of the Potomac River and sits on approximately 2 private acres spanning three lots, while requiring only two HOA fees. With over 2,000 square feet of living space, this well-maintained home offers both comfort and versatility. The main level features a spacious living area centered around a cozy fireplace, an inviting galley-style kitchen with attractive cabinetry, and a separate dining area ideal for entertaining or family gatherings. The primary bedroom suite is a true highlight of the home, offering breathtaking views of the Potomac River and direct access to an enclosed deck, creating the perfect place to relax and enjoy peaceful waterfront scenery. The primary bathroom connects privately to the suite, while two additional bedrooms are also located on the main level. The lower level provides additional living space with a comfortable family room or den, a full bathroom with stall shower, and convenient access to both the backyard patio and the finished two-car garage. What truly makes this property stand apart is the additional lot featuring a large boat garage, providing plenty of space for boats, watercraft, and recreational equipment. Above the boat garage is a thoughtfully designed 2-bedroom, 1-bath apartment, offering incredible flexibility for guests, extended family, or potential rental income. A VIRTUAL OPEN HOUSE for this lovely home is now on YouTube in 3 parts! Find them under this homes address! Be sure to view the community video tour of Stratford Harbour available on the MLS and discover why so many people choose to call this waterfront community home — “Stratford Harbour is a community where neighbors become friends, and friends become family.”

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

9/10
Montross Middle SchoolGrades 6-87.1 mi
3/10

Construction

Condition

  • Property condition: Excellent
  • Year built: 1998

Materials

  • Foundation: Slab
  • Roof: Architectural Shingle
  • Construction materials: Shingle Siding,Stick Built,Wood Siding,Vinyl Siding,Concrete

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Dishwasher,Dryer,Oven,Range Hood,Refrigerator,Washer,Water Heater,Electric Water Heater
  • Laundry features: Main Level,Washer In Unit,Dryer In Unit

Basement

  • Has basement: Yes
  • Basement: Finished,Garage Access,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • 9'+ Ceilings,Dry Wall
  • Flooring: Carpet,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Gas/Propane
  • Fireplace: Yes
  • Finished area above ground: 2,084

Heating & Cooling

  • Heating features: Central,Heat Pump,Electric,Propane
  • Cooling features: Ceiling Fan(s),Central Air,Heat Pump,Electric

Interior Area

  • Total structure area: 2,084
  • Total interior livable area: 2,084 sqft

Property

Accessibility

  • Accessibility features: Stair Lift

Details

  • Parcel number: 88341 & 88331
  • Zoning: R2
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Deck,Enclosed,Patio,Screened
  • Exterior features: Lighting,Extensive Hardscape,Flood Lights,Private Beach
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • Waterfront features: River,Boat - Powered,Canoe/Kayak,Fishing Allowed,Private Access,Waterski/Wakeboard,Swimming Allowed

Lot

  • Lot size: 2 Acres
  • Features: Landscaped,SideYard(s)

Parking

  • Total spaces: 10
  • Parking features: Storage,Garage Faces Front,Inside Entrance,Oversized,Asphalt,Private,Detached,Attached,Driveway,Off Street
  • Has garage: Yes
  • Attached garage spaces: 6
  • Covered spaces: 6
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Strong Wind
Coastal Flooding
Drought
Hail
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 $3,286$39,432
Home Insurance *$314$3,768
Property Taxes $372$4,464
Electricity $202$2,433
Total$4,174$50,088
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$143,108/yr
40% on housing$125,220/yr
45% on housing$111,306/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

$312This listing

vs Other Active Listings

Avg $/sqft

ZIP 22520$139
Westmoreland County$182

vs Homes Sold Last Month

Median $/sqft

ZIP 22520
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
2026-04-25Price change$699,000
2026-04-16Price change$714,999
2026-03-11Listed for sale$719,999
2025-12-01Listing removed$719,999
2025-09-23Price change$719,999
2025-07-31Price change$724,999
2025-05-30Listed for sale$729,999

For Sale by Agent

AgentMs. Tina M. Keene
BrokerageAC Realty Group

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