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510 Estate Rd, Lottsburg, VA, 22511

4beds
4baths
3,021sqft
$799,950
$265price/sqft
$5,137/moest. monthly cost
$205,480/yrincome needed

About This Home

WATERFRONT LIVING. PRIVATE PIER. DEEP-WATER ACCESS. TIMELESS BEAUTY. Tucked away in the Riverside community of Lottsburg, this exceptional waterfront retreat offers the perfect blend of luxury, privacy, and Northern Neck charm. Set along picturesque Glebe Creek, a tributary of the Coan River, the property provides access to the Potomac River and Chesapeake Bay, creating an incredible setting for boating, fishing, kayaking, and unforgettable days on the water. (Water depth to be verified by buyer). Situated on a peaceful cul-de-sac, this beautifully crafted 4-bedroom, 3.5-bath home offers 2,469 square feet of thoughtfully designed living space. Inside, you’ll find light-filled rooms, granite countertops throughout, and a warm gas fireplace that creates an inviting focal point for relaxing and entertaining. The home’s spacious design allows you to enjoy beautiful water views while bringing the tranquility of the outdoors inside. Step outside and discover the true magic of waterfront living. Your private pier offers the perfect launch point for boating and fishing—or simply a peaceful place to sit back, enjoy the breeze, and watch the sun set over the water. A finished 552-square-foot attached garage provides valuable additional space for vehicles, hobbies, storage, a workshop, or entertaining. Whether you’re looking for a full-time waterfront residence, a weekend escape, or your own private retreat on the Northern Neck, 510 Estate Road delivers a rare combination of privacy, water access, beautiful surroundings, and comfortable living. Come experience the lifestyle—and fall in love with the view.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

5/10
5/10

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Asphalt
  • Construction materials: Block,Drywall,Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooking,Electric Water Heater,Ice Maker,Microwave,Refrigerator,Smooth Cooktop,Stove
  • Laundry features: Washer Hookup,Dryer Hookup

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedroom4

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Bedroom on Main Level,Ceiling Fan(s),Dining Area,Double Vanity,Eat-in Kitchen,Fireplace,Granite Counters,High Ceilings,Kitchen Island,Bath in Primary Bedroom,Main Level Primary,Pantry,Recessed Lighting,Walk-In Closet(s)
  • Door features: Sliding Doors
  • Flooring: Tile,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Gas,Vented
  • Fireplace: Yes
  • Attic: Access Only
  • Finished area below ground: 0
  • Finished area above ground: 3,021

Great Room

  • Level: First

Heating & Cooling

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

Interior Area

  • Total interior livable area: 3,021 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 0910001
  • Zoning description: A-1

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Rear Porch,Front Porch,Deck,Porch
  • Exterior features: Deck,Dock,Porch,Unpaved Driveway
  • Fencing: None
  • On waterfront: Yes
  • Waterfront features: Navigable Water,River Front,Waterfront
  • Waterbody name: Glebe Creek
  • Topography of land: Level

Lot

  • Lot size: 1.26 Acres
  • Features: Waterfront,Level

Parking

  • Total spaces: 2
  • Parking features: Attached,Driveway,Finished Garage,Garage,Garage Door Opener,Garage Faces Rear,Garage Faces Side,Unpaved
  • 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

  • Strong Wind
    Strong WindVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Drought
    DroughtRelatively High
  • Hurricane
    HurricaneRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Coastal Flooding
Drought
Hurricane
Cold Wave
Inland Flooding
Ice Storm
Lightning
Tornado
Winter Weather

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 $4,044$48,528
Home Insurance *$497$5,964
Property Taxes $306$3,672
Electricity $290$3,491
Total$5,137$61,644
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$176,125/yr
40% on housing$154,110/yr
45% on housing$136,986/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: 6.0%
6.0%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$265This listing

vs Other Active Listings

Avg $/sqft

ZIP 22511$227
Northumberland County$243

vs Homes Sold Last Month

Median $/sqft

ZIP 22511
Northumberland County$211

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)

No zestimate history available

Price History

DateEventPrice
2026-08-13Price change$789,950
2026-07-27Price change$799,950
2026-07-18Price change$824,950
2026-07-09Price change$849,950
2026-07-02Price change$859,950
2026-06-23Price change$869,950
2026-06-16Price change$879,950
2026-06-09Price change$889,950
2026-06-03Price change$899,950
2026-05-25Listed for sale$914,950

New Construction

AgentLisa Erin Pitts
BrokerageMorgan & Edwards Real Estate

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