220 Ships Row, Montross, VA, 22520
About This Home
NEW CONSTRUCTION in the desirable Cabin Point Subdivision! Secure this beautiful home now and personalize it to your taste—choose your paint colors, finishes, and more. Located at 220 Ships Row, this impressive residence offers over 4,200 sq ft of thoughtfully designed living space. Enjoy an amenity-rich community featuring a pool, clubhouse, tennis courts, playground, picnic pavilion, boat ramps, and sand beaches—perfect for both relaxation and recreation. This spacious home includes 6 bedrooms and 6 bathrooms, with 3 luxurious primary suites, two with private sunrooms with wet bars for added comfort and convenience. The great room showcases a stunning coffered ceiling, architectural wall panels, and an electric fireplace, creating a warm and elegant focal point. It flows seamlessly into a modern kitchen with a large island and pot filler over the cooktop—ideal for entertaining. Practical features include two washer and dryer sets (one on the main level and one upstairs), an attached 2-car garage with optional electric vehicle charging station, and two heat pumps for efficient climate control. Additional attic storage provides valuable extra space. Quality craftsmanship is evident throughout with hardwood floors, spacious bathrooms finished in porcelain tile, and a durable roof with 30-year composition shingles. Complete the home to your preference with your choice of an asphalt or concrete driveway. A rare opportunity to own a customizable, spacious home in a vibrant waterfront community—Perfect for multi-generational families.Fee for community amenities is $245/year.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- New construction: Yes
- Year built: 2025
Materials
- Roof: Composition
- Construction materials: Sheetrock Walls,Block,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subType: Water Access Residential
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Surface Units,Wall Oven,Washer,Electric Water Heater
- Laundry features: Washer/Dryer Hookup
Basement
- Basement: Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 6
- Full bathrooms: 6
Dining Room
- Features: Great Room Combination,Other
Features
- 1st Floor Bedroom,Cathedral/Vaulted/Tray Ceilings,Fireplace,Great Room,Walk-In Closet(s),Wet Bar
- Flooring: Hardwood,Tile
- Number of fireplaces: 1
- Fireplace features: Great Room,One Fireplace,Other
- Fireplace: Yes
- Attic: Storage
Heating & Cooling
- Heating features: Heat Pump
- Cooling features: Heat Pump
Interior Area
- Total structure area: 4,200
- Total interior livable area: 4,200 sqft
Property
Details
- Zoning description: Residential
Features
- Levels: Two
- Patio & porch: Deck
- Waterfront features: Water Access-Private
- Waterbody name: Potomac River
Lot
- Lot size: 0.57 Acres
- Features: .5-.9 acre
Parking
- Total spaces: 2
- Parking features: Attached,Two Car,Paved Driveway
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: Yes
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
- Drought
- Inland Flooding
- Ice Storm
- Lightning
- Strong Wind
- Winter Weather
- 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 | $3,534 | $42,408 |
| Home Insurance * | $338 | $4,056 |
| Property Taxes | $361 | $4,332 |
| Electricity | $404 | $4,854 |
| Total | $4,637 | $55,644 |
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 |
|---|---|---|
| 2026-04-27 | Listed for sale | $699,000 |
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