12403 Elizabeth Curtis Ln, Gloucester, VA, 23061
About This Home
Experience waterfront living at its finest on the beautiful Piankatank River! Located just one hour from Richmond and 20 minutes from the Town of Gloucester, this stunning property spans nearly 6 acres with panoramic water views from every angle. The 4,518 sq. ft. main home features 4 bedrooms and 2.5 baths, each bedroom offering serene river vistas. The first-floor primary suite boasts a luxurious en suite bath and oversized walk-in closet, while an upstairs bonus room that opens to a private rooftop patio overlooking the river. Enjoy the expansive living room with wall-to-wall glass, a covered riverside porch, and an attached 2-car garage. A separate oversized 3-car garage includes dual mini-splits, a 4th RV/boat bay, and a 1,160 sq. ft. 1-bedroom 1.5 bath apartment above with its own entrance—ideal for guests or rental income. With room for a pool and all major systems—electrical, plumbing, and HVAC—already in place, this property is ready for your final finishing touches to create your dream riverfront retreat!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 2023
Materials
- Roof: Composition,Shingle
- Construction materials: Brick,Drywall,Frame,Hardboard
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Additional Room
- Level: Second
Appliances
- Appliances included: Electric Water Heater
- Laundry features: Washer Hookup,Dryer Hookup
Basement
- Basement: Crawl Space
Bedroom2
- Level: First
Bedroom3
- Level: First
Bedroom4
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 6
- Full bathrooms: 4
- 1/2 bathrooms: 2
Dining Room
- Level: First
Family Room
- Level: First
Features
- Bedroom on Main Level,Ceiling Fan(s),Cathedral Ceiling(s),Dining Area,Fireplace,Granite Counters,High Ceilings,Bath in Primary Bedroom,Main Level Primary,Pantry,Recessed Lighting,Walk-In Closet(s)
- Number of fireplaces: 1
- Fireplace: Yes
- Attic: Walk-In
- Finished area below ground: 0
- Finished area above ground: 4,549
Half Bath
- Level: First
Heating & Cooling
- Heating features: Electric,Heat Pump
- Cooling features: Central Air
Interior Area
- Total interior livable area: 4,549 sqft
Kitchen
- Level: First
Living Room
- Level: First
Master Bedroom
- Level: First
Other
- Level: First
Other
- Level: Second
Property
Details
- Parcel number: 006D133
- Zoning description: SC-1
Features
- Levels: One
- Stories: 1
- Pool features: None
- Patio & porch: Rear Porch,Front Porch
- Fencing: None
- On waterfront: Yes
- Waterfront features: Navigable Water,River Front,Water Access,Waterfront
Lot
- Lot size: 5.99 Acres
- Features: Waterfront
Parking
- Total spaces: 4
- Parking features: Attached,Detached,Garage,Oversized
- Has garage: Yes
- Attached garage spaces: 4
- Covered 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
- Strong Wind
- Hurricane
- Ice Storm
- 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 | $4,424 | $53,088 |
| Home Insurance * | $391 | $4,692 |
| Property Taxes | $457 | $5,484 |
| Electricity | $438 | $5,257 |
| Total | $5,710 | $68,520 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-22 | Listed for sale | $875,000 |
| 2026-05-18 | Pending sale | $875,000 |
| 2026-03-04 | Price change | $875,000 |
| 2026-02-27 | Pending sale | $900,000 |
| 2025-11-21 | Listed for sale | $900,000 |
| 2025-11-17 | Pending sale | $900,000 |
| 2025-10-30 | Listed for sale | $900,000 |
| 2024-11-25 | Sold | $625,000 |
| 2024-11-25 | Contingent | $795,000 |
| 2024-09-16 | Pending sale | $795,000 |
| 2024-07-25 | Listed for sale | $795,000 |
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