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177 Yeocomico Ln, Kinsale, VA, 22488

3beds
3baths
3,896sqft
$549,900
$141price/sqft
$3,801/moest. monthly cost
$152,040/yrincome needed

About This Home

Welcome to 177 Yeocomico Ln, the waterfront home you've been waiting for! This stunning 3 bedroom, 2.5 bath home offers 3896 sq ft of inviting finished living space designed for comfort, relaxation, and peaceful waterfront living. This classic brick ranch-style home offers a premier waterfront lifestyle, perfectly positioned on a lush 1.8 acre lot that slopes gently toward the Yeocomico River. The exterior is defined by its timeless red brick facade, accented with white siding on the gables and crisp black shutters. A welcoming covered front porch with a prominent brick chimney serves as the centerpiece of the front entry, while a long circular gravel driveway leads to the spacious two-car attached garage. Enjoy relaxing mornings and spectacular sunsets over looking the Yeocomico River, or entertain guests on the private pier or back patio. The rear of the residence is designed specifically for outdoor enjoyment, featuring a walk-out basement that leads directly onto an expansive slate patio enclosed by a low brick retaining wall. This lower-level access creates a seamless flow for entertaining, complemented by an elevated white wooden balcony that offers panoramic views of the water. A finished breezeway connects the main house to the garage, providing a shaded retreat complete with a classic white porch swing. Inside, the living room opens seamlessly to the dining area, creating an inviting flow that's perfect for gatherings. The kitchen and formal dining room are ideal for both everyday living and special occasions. The main level of this home features a thoughtful layout that balances expansive communal areas with private living quarters. At the heart of the floor plan is a massive living room, which serves as the central hub for the entire floor. This room is anchored by a fireplace and offers dual access to the exterior, leading out to a large front porch and a narrow rear balcony. To the left of the living room, the kitchen and dining area are positioned in a linear flow, with the kitchen spanning into a dedicated dining space that features a prominent bay window. The sleeping arrangements are divided into two distinct wings. The primary bedroom is located on the left side of the house near the kitchen and secondary entry, offering a spacious retreat with immediate access to a convenient half bath. On the opposite side of the home, a separate hallway leads to two additional well-proportioned bedrooms. These two rooms share a full central bathroom, creating a private zone for guests or family members. Functional exterior connections further define the property's utility. A covered patio acts as a breezeway between the main residence and a substantial detached garage. This garage is exceptionally large and includes a dedicated storage room at the rear. This walk-out basement offers an expansive, multi-functional layout. The heart of the basement is a large family room featuring a built-in wet bar and an extensive wall of custom cabinetry, providing a dedicated space for recreation and storage. Throughout the finished areas, the warmth of the wood-paneled walls and beadboard ceilings creates a cozy, cabin-like atmosphere, complemented by durable LVP flooring in the hallways. Functional zones are well-defined, including a secondary private room, a full bathroom, and a large utility area that houses the laundry facilities and mechanical systems against clean, painted masonry walls. The property’s utility extends outdoors to a massive slate-tiled patio, which is partially sheltered by the deck above. Enclosed by classic brick retaining walls, this tiered outdoor space provides a private setting for entertaining while connecting the basement level directly to the surrounding lawn. Additional highlights include: New Roof (2026) Sailboat Level Water Depth 6+ Feet MLW Roughly 200 feet of waterfront shoreline No HOA! No flood insurance required!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

3/10
Cople Elementary SchoolGrades PK-56.0 mi
9/10
Montross Middle SchoolGrades 6-811.0 mi
3/10

Construction

Condition

  • Year built: 1985

Materials

  • Foundation: Brick/Mortar
  • Roof: Composition
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch/Rambler
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Refrigerator,Washer,Water Heater

Basement

  • Has basement: Yes
  • Basement: Finished

Bathroom1

  • Level: Main

Bathroom2

  • Level: Main

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 3
  • Main level bedrooms: 3

Features

  • Bar,Crown Molding,Dining Area,Entry Level Bedroom,Family Room Off Kitchen,Floor Plan - Traditional,Paneled Walls,Dry Wall
  • Flooring: Carpet,Luxury Vinyl,Hardwood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 2,336
  • Finished area above ground: 1,560

Half Bath

  • Level: Main

Heating & Cooling

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

Interior Area

  • Total structure area: 3,896
  • Total interior livable area: 3,896 sqft

Property

Accessibility

  • Accessibility features: 2+ Access Exits

Details

  • Parcel number: 5635
  • Zoning: A-1
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Patio
  • Exterior features: Other,Balcony
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: Private Dock Site,Fishing Allowed,Sail,River
  • Waterbody name: Yeocomico
  • Frontage length: Water Frontage Ft: 200

Lot

  • Lot size: 1.80 Acres
  • Features: Fishing Available,Front Yard,Level,Open Lot,Wooded,Rear Yard

Parking

  • Total spaces: 6
  • Parking features: Garage Faces Front,Other,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

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

How This Home’s Risks Compare

Drought
Hurricane
Strong Wind
Coastal Flooding
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 $2,780$33,360
Home Insurance *$331$3,972
Property Taxes $315$3,780
Electricity $375$4,503
Total$3,801$45,612
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$130,320/yr
40% on housing$114,030/yr
45% on housing$101,360/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

$141This listing

vs Other Active Listings

Avg $/sqft

ZIP 22488$143
Westmoreland County$186

vs Homes Sold Last Month

Median $/sqft

ZIP 22488
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
2026-04-25Listed for sale$589,900
2025-11-07Sold$400,000

For Sale by Agent

AgentDanny Mundy
BrokerageRE/MAX Supercenter

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