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659 Waterside Dr, Harpers Ferry, WV, 25425

4beds
5baths
8,332sqft
$1,499,000
$180price/sqft
$9,687/moest. monthly cost
$387,480/yrincome needed

About This Home

Follow your private softly lit driveway to this extraordinary multi-generational masterpiece, located in the prestigious Waterside Reserve community. Situated on 3.5 stunning acres this home is the only one that does not have the HOA rules and regulations or fee! The community has access to the scenic Shenandoah River and offers a serene retreat just 5 minutes from downtown historic Charles Town. Only 2 minutes from Rt. 115, a major commuting route to Northern Virginia and Suburban Maryland, this estate is the perfect blend of rural tranquility and convenient access. Step inside, where elegance and thoughtful design greet you at every turn. The open-concept living area seamlessly connects the upgraded kitchen, dining space, and family room—creating a warm and inviting atmosphere for both relaxed family time and vibrant entertaining. The formal dining room and private office are situated off the main foyer, providing refined spaces for hosting and productivity. The chef's kitchen is a dream come true, boasting upgraded gas stainless steel appliances, ample storage in the custom upgraded cabinetry, walk in pantry and butler’s pantry complete with a wine and coffee bar—perfect for entertaining in style. This home’s design is tailored for multigenerational living with a finished lower level that serves as an independent living space. This expansive area includes a gas fireplace, full kitchen, den, hobby room or exercise room (possibly additional sleeping quarters), laundry room, bar, utility room, and two luxurious bathrooms. With its private entrance and patio/porch, this lower-level retreat offers unparalleled comfort and autonomy for extended family or guests. Additionally, a charming au pair suite is conveniently located off the kitchen and accessed through a back foyer leading to the garage. This suite comes with its own private entrance, ensuring privacy for both the main residence and the suite occupants. The lavish primary suite is truly massive, featuring 10-foot-high ceilings and a spa-like en-suite bathroom with a walk-in shower, heated floors, bidet, and jetted tub—a luxurious haven designed for ultimate relaxation. The home's split floor plan layout provides additional privacy, with each bedroom offering its own en-suite bathroom, ensuring every occupant enjoys a personal retreat Unwind on the gracious southern front porch or the cozy covered rear porch, where you can enjoy your morning coffee while soaking in the tranquil natural surroundings. Whether you're looking for peace and privacy or a place to gather and entertain, this outdoor space offers it all. The side-entry three-car garage provides ample space for vehicles and storage, perfectly complementing the thoughtful layout of the home. The homeowner has thought of everything! There is underground conduit placed for future hot tub, pool house, and generator as well! For added security and convenience the property a 26KW whole house automatic standby generator. With dual switches and extensive coverage, this system is designed to power almost the entire home, including televisions, garage doors, water heater, well pump, heating and air, bedroom lights, most outlets and the kitchen. Thoughtful exterior upgrades are underway including finished extensive hardscape surrounding the outdoor wood grill and modern wire end railing details that enhance the homes curb appeal! Located in an upscale community with Shenandoah River access, this property offers the best of both worlds—quiet country living within close proximity to essential amenities and major commuting routes. It’s truly a one-of-a-kind opportunity to live in luxury while embracing nature and convenience.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

2/10
7/10
3/10
Washington High SchoolGrades 9-124.3 mi

Construction

Condition

  • Property condition: Excellent
  • Year built: 2024

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Vinyl Siding,HardiPlank Type

Other

  • Builder model: Stafford

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Cooktop,Refrigerator,Microwave,Water Heater,Water Treat System,Electric Water Heater
  • Laundry features: Hookup,Main Level,Lower Level,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway,Full,Heated,Improved,Exterior Entry,Concrete,Side Entrance,Sump Pump,Walk-Out Access,Windows,Finished

Bathroom1

  • Level: Lower

Bathroom2

  • Level: Main

Bathroom2

  • Level: Lower

Bathroom3

  • Level: Main

Bedroom2

  • Level: Main
  • Area: 208
  • Dimensions: 13 X 16

Bedroom3

  • Level: Main
  • Area: 240
  • Dimensions: 15 X 16

Bedroom4

  • Level: Lower

Bedrooms & Bathrooms

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

Breakfast Room

  • Features: Breakfast Room
  • Level: Main
  • Area: 240
  • Dimensions: 15 X 16

Den

  • Level: Lower

Dining Room

  • Features: Crown Molding
  • Level: Main
  • Area: 192
  • Dimensions: 12 X 16

Exercise Room

  • Level: Lower

Features

  • Kitchen Island,Recessed Lighting,Walk-In Closet(s),2nd Kitchen,Bar,Bathroom - Walk-In Shower,Breakfast Area,Built-in Features,Ceiling Fan(s),Combination Kitchen/Living,Entry Level Bedroom,Open Floorplan,Kitchen - Gourmet,Pantry,Dry Wall
  • Flooring: Laminate
  • Number of fireplaces: 2
  • Fireplace features: Gas/Propane,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 4,085
  • Finished area above ground: 4,247

Foyer

  • Features: Flooring - Laminated
  • Level: Main

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: Heat Pump,Electric

Interior Area

  • Total structure area: 8,332
  • Total interior livable area: 8,332 sqft

Kitchen

  • Features: Pantry,Kitchen Island
  • Level: Main
  • Area: 135
  • Dimensions: 9 X 15

Kitchen

  • Level: Lower

Laundry

  • Level: Main

Laundry

  • Level: Lower

Living Room

  • Features: Flooring - Laminated
  • Level: Main
  • Area: 475
  • Dimensions: 19 X 25

Other

  • Level: Upper

Primary Bathroom

  • Level: Main

Primary Bedroom

  • Features: Flooring - Laminated
  • Level: Main
  • Area: 272
  • Dimensions: 17 X 16

Recreation Room

  • Level: Lower

Storage Room

  • Level: Lower

Utility Room

  • Level: Lower

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 09 16000900010000
  • Zoning: 101
  • Special condition: Standard

Features

  • Levels: Two and One Half
  • Stories: 2
  • Pool features: None
  • Patio & porch: Porch
  • Exterior features: Flood Lights,Balcony
  • Spa features: Bath
  • Has view: Yes
  • View description: Trees/Woods,Street,Mountain(s)
  • Frontage type: Road Frontage

Lot

  • Lot size: 3.50 Acres
  • Features: Backs to Trees,Rear Yard,Rural,Secluded,Sloped,Wooded,Mountain

Parking

  • Total spaces: 8
  • Parking features: Garage Faces Side,Garage Door Opener,Inside Entrance,Basement,Storage,Lighted,Driveway,Private,Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes
  • Uncovered spaces: 5

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

  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across West 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 $7,579$90,948
Home Insurance *$596$7,152
Property Taxes $649$7,788
Electricity $863$10,358
Total$9,687$116,244
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$332,125/yr
40% on housing$290,610/yr
45% on housing$258,320/yr

West Virginia FAIR Plan Programs

West Virginia Essential Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 260Commercial: 43
Total Premiums$274,000
Total Exposure$30.03M

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: 8.0%
8.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.3%
0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$180This listing

vs Other Active Listings

Avg $/sqft

ZIP 25425$250
Jefferson County$202

vs Homes Sold Last Month

Median $/sqft

ZIP 25425$206
Jefferson County$179

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
2026-01-02Listed for sale$1,699,000
2025-08-01Listing removed$1,700,000
2025-03-10Price change$1,700,000
2025-02-21Listed for sale$1,900,000

For Sale by Agent

AgentKristie Edwards
BrokerageSamson Properties

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