448 McSwain Rd

White Stone, VA 22578

$980,000
Price
4
Beds
3,187 Sq. Ft.
$307 / Sq. Ft.
3,187
Sq. Ft.
$307
per Sq. Ft.
Pending
Pending
View of front of house with a front yard, a detach
Aerial view of property's location featuring a lar
Aerial view of property's location with a nearby b
Dock with a water view
Dock featuring a water view and boat lift
Dock area with a water view
Bird's eye view of a large body of water
Drone / aerial view of a large body of water
Back of house with a lawn, a deck, a chimney, and
View of grassy yard
Deck with a yard and a water view
Wooden deck with a lawn and a water view
Wooden terrace featuring a sunroom and a grill
Unfurnished sunroom with a water view, healthy amo
Sunroom / solarium featuring a ceiling fan, outdoo
Sunroom featuring outdoor dining space, french doo
Property entrance featuring a wooden deck and a sh
Living room featuring light wood-type flooring
Dining room with light wood-type flooring and high
Living area featuring a fireplace, light wood-styl
Living room with a fireplace, wood finished floors
Dining room with light wood finished floors and re
Dining space with light wood finished floors and r
Kitchen with track lighting, a breakfast bar area,
Kitchen featuring a breakfast bar area, track ligh
Kitchen with a breakfast bar, white cabinetry, tra
Kitchen with white cabinets, light wood finished f
Kitchen with range with electric cooktop, light co
Living area featuring a wood stove, wood finished
Living room with light wood finished floors and ce
Living area featuring wood finished floors and cei
Tiled office space with vaulted ceiling and ceilin
Doorway to outside featuring wood finished floors
Half bath featuring a closet, vanity, and light wo
Bedroom with light wood-type flooring, access to e
Bedroom with light wood-type flooring, ceiling fan
Bathroom featuring a closet, double vanity, and li
Bathroom featuring toilet and a shower with shower
Carpeted bedroom featuring lofted ceiling and a ce
Bathroom featuring vanity, vaulted ceiling, and cu
Bedroom featuring carpet flooring, lofted ceiling,
Bedroom with vaulted ceiling, carpet floors, and a
Carpeted bedroom with lofted ceiling and ceiling f
Deck featuring view of scattered trees and a yard
View of green lawn featuring a water view
Wooden deck with a lawn
View of front of home featuring a front lawn, roof
View of front facade featuring a shingled roof, dr

Description

This property combines an unbeatable Chesapeake Bay location with all the amenities you need for relaxed waterfront living. Situated in a small community of only 8 homes, you’ll enjoy sweeping Bay views, a protected marina with your own slip, & outstanding shared amenities including a completely renovated pool plus tennis & pickleball courts. Just minutes from the shops & restaurants of Kilmarnock, White Stone, & Irvington, with convenient access to Williamsburg & Richmond in just over an hour. From...This property combines an unbeatable Chesapeake Bay location with all the amenities you need for relaxed waterfront living. Situated in a small community of only 8 homes, you’ll enjoy sweeping Bay views, a protected marina with your own slip, & outstanding shared amenities including a completely renovated pool plus tennis & pickleball courts. Just minutes from the shops & restaurants of Kilmarnock, White Stone, & Irvington, with convenient access to Williamsburg & Richmond in just over an hour. From boating & fishing to golf at nearby Indian Creek Yacht & Country Club (on the same creek), this is a lifestyle property. Designed for comfort & views. Outdoor living shines here with a waterside screened porch & spacious deck to take in the breezes. The Living Room features vaulted ceilings, a wood-burning fireplace, & built-in bookshelves, with an open Dining Area that flows to the waterside deck. The Kitchen opens to the Family Room, which offers a cozy wood-burning stove, built-ins, & access to the deck. The 1st-floor Primary Suite opens directly to the waterfront deck & has a private bath. A mudroom with a 1/2 BA & an additional 1/2 BA provides convenience on the main level. Upstairs, you’ll find 3 guest bedrooms & a full bathroom, perfect for family & friends. A detached garage with finished game room above (heated & cooled with window units, plus sink) adds even more flexible space(674 SF). Whether you’re looking for a full-time residence or a second home getaway, this property offers it all—views, boating, community amenities, & a perfect Northern Neck Location!
  1. Listed by David Dew • Brokerage DRE #226036270 • Isabell K. Horsley R. E., Ltd.
    P: (804)-436-3106 david@horsleyrealestate.com
  2. Listed by Kathleen Dew • Brokerage DRE #226036270 • Isabell K. Horsley R. E., Ltd.
    P: (804)-436-6256 katiedew@horsleyrealestate.com

Property Details for 448 McSwain Road

Architectural Style
Contemporary
Community Features
Common Grounds Area, Dock, Marina, Pool, Tennis Courts
Subdivision Name
Blue Water Point
Waterfront Features
Bayfront, Creek, Dock Access, Mooring, Boat Ramp Lift Access, Waterfront
Waterfront
Yes
LISTING UPDATED: 12/03/2025 12:54 PM

Property Details for 448 McSwain Road

StatusPending
MLS #2527858
Days on Market60
Taxes$3,693 / year
HOA Fees$1,200 / quarter
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeResidential / Single Family Residence
Year Built1986
Lot Size1.70 AC / 74,052 SF
CountyLancaster County

Location

Listing Courtesy of Isabell K. Horsley R. E., Ltd., David Dew; Isabell K. Horsley R. E., Ltd., Kathleen Dew
Add your commute

Building Information for 448 McSwain Road

Stories2Year Built1986Building Size-Lot Size1.70 AC / 74,052 SF

Payment Calculator

$5,550 per month

30 year fixed, 6.28% Interest

Principal and Interest

$4,843

Property Taxes

$308

HOA Dues

$400

The Payment Calculator is for illustrative purposes only.

Property Information for 448 McSwain Road

Summary
Location and General Information
  • City: White Stone
  • County Or Parish: Lancaster
  • Directions: From White Stone to Kilmarnock - RT 3. Right on Fleets Bay Road. Left on Mc Swain Road. Bend to the Right, home is the 1st on the right - see sign.
  • Latitude: 37.682703
  • Longitude: -76.336582
  • Postal City: White Stone
  • Postal Code: 22482
  • State Or Province: VA
  • Topography: Level
  • Unparsed Address: 448 Mc Swain Road
  • View: Water
  • View: Yes
  • Water Body Name: Indian Creek
Taxes and HOA Information
  • Association Fee: $1,200.00
  • Association Fee Frequency: Quarterly
  • Association Fee Includes: Common Areas, Pools, Road Maintenance, Water
  • Association: Yes
  • Parcel Number: Tax Map # 29-55E, LR 15/1229 WF 18/111
  • Tax Annual Amount: $3,693.39
  • Tax Assessed Value: $617,759.00
  • Tax Legal Description: Tax Map # 29-55E, LR 15/1229 WF 18/111, Blue Water Point 1.7 AC, Lot 1
  • Tax Lot: 1.7 ACRES
  • Tax Year: 2025
School Information
  • Elementary School: Lancaster
  • High School: Lancaster
  • Middle Or Junior School: Lancaster
Parking
  • Attached Garage: No
  • Garage Spaces: 2
  • Garage: Yes
  • Parking Features: Detached, Garage, Other, Storage
  • Garage Parking Features: Detached, Garage, Other, Storage
Property
Lot Information
  • Above Grade Finished Area: 3187.0
  • Below Grade Finished Area: 0.0
  • Building Area Source: Other
  • Living Area: 3,187.00
  • Living Area Source: Other
  • Lot Features: Cleared, Landscaped, Waterfront, Level
  • Lot Size Acres: 1.7
  • Lot Size Area: 1.7
  • Lot Size Units: Acres
  • Stories: 2
  • Stories Total: 2
  • Property Sub Type Additional: Single Family Residence
Property and Assessments
  • New Construction: No
  • Property Attached: No
  • Property Condition: Resale
  • Type of Property: Single Family
  • Property Sub Type: Single Family Residence
  • Property Type: Residential
  • Year Built: 1986
  • Year Built Details: Actual
  • Restrictions: Deed Restrictions, Waterfront Restrictions
Utilities
  • Sewer: Septic Tank
  • Water Source: Community Coop, Shared Well
Interior and Exterior Features
Exterior Features
  • Exterior Features: Boat Lift, Deck, Dock, Porch, Tennis Courts
  • Fencing: None
  • Pool Features: Gunite, Pool, Community
  • Roof: Composition
Interior Features
  • Appliances: Built In Oven, Dryer, Dishwasher, Electric Cooking, Electric Water Heater, Range, Refrigerator, Washer
  • Basement: Crawl Space
  • Basement: No
  • Bathrooms Full: 2
  • Bathrooms Half: 2
  • Bathrooms Total Integer: 4
  • Bedrooms Total: 4
  • BathsTotal: 2.2
  • Room and Floor: Half Bath-First, Full Bath-Second, Full Bath-First, Additional Room-Second, Additional Room-First, Bedroom 4-Second, Bedroom 3-Second, Bedroom 2-Second, Primary Bedroom-First, Family Room-First, Kitchen-First, Dining Room-First, Living Room-First, Foyer-First
  • Room List: Half Bath, Full Bath, Additional Room, Bedroom 4, Bedroom 3, Bedroom 2, Primary Bedroom, Family Room, Kitchen, Dining Room, Living Room, Foyer
  • Cooling: Heat Pump, Zoned
  • Cooling: Yes
  • Fireplace Features: Wood Burning
  • Fireplaces Total: 3
  • Fireplace: Yes
  • Flooring: Carpet, Vinyl, Wood
  • Heating: Electric, Heat Pump, Zoned
  • Heating: Yes
  • Interior Features: Ceiling Fans, Dining Area, Eat In Kitchen, Fireplace, Kitchen Island, Laminate Counters, Main Level Primary, Pantry, Skylights
  • Laundry Features: Dryer Hookup
  • Levels: Two
  • Other Equipment: Generator
  • Patio And Porch Features: Screened, Deck, Porch
  • Rooms Total: 6
  • Window Features: Screens, Skylights
Room Information
Room 1
  • Room Type 1: Half Bath
Room 2
  • Room Type 2: Half Bath
  • Room Level 2: First
Room 3
  • Room Type 3: Full Bath
  • Room Description 3: Tub & Shower
  • Room Level 3: Second
Room 4
  • Room Type 4: Full Bath
  • Room Description 4: Tub & Shower
  • Room Level 4: First
Room 5
  • Room Type 5: Additional Room
  • Room Description 5: Overtop Garage, X-Fridge, Heat/Cooled Window, Sink
  • Room Level 5: Second
  • Room Length 5: 0.0
  • Room Width 5: 0.0
Room 6
  • Room Type 6: Additional Room
  • Room Description 6: Mudroom, X-tra Fridge, Half Bath
  • Room Level 6: First
  • Room Length 6: 0.0
  • Room Width 6: 0.0
Room 7
  • Room Type 7: Additional Room
  • Room Description 7: Side entrance & screen porch access
  • Room Level 7: First
  • Room Length 7: 0.0
  • Room Width 7: 0.0
Room 8
  • Room Type 8: Bedroom4
  • Room Description 8: ceiling fan, carpet, Big Room!
  • Room Level 8: Second
  • Room Length 8: 0.0
  • Room Width 8: 0.0
Room 9
  • Room Type 9: Bedroom3
  • Room Description 9: ceiling fan, carpet, deep closet
  • Room Level 9: Second
  • Room Length 9: 0.0
  • Room Width 9: 0.0
Room 10
  • Room Type 10: Bedroom2
  • Room Description 10: ceiling fan, carpet, deep closet
  • Room Level 10: Second
  • Room Length 10: 0.0
  • Room Width 10: 0.0
Room 11
  • Room Type 11: Primary Bedroom
  • Room Description 11: Waterfront, Bathroom, Built-ins
  • Room Level 11: First
  • Room Length 11: 0.0
  • Room Width 11: 0.0
Room 12
  • Room Type 12: Family Room
  • Room Description 12: Open to Kitchen, Waterfront, Built-ins, Woodstove
  • Room Level 12: First
  • Room Length 12: 0.0
  • Room Width 12: 0.0
Room 13
  • Room Type 13: Kitchen
  • Room Description 13: Open to Family Room, Pantry
  • Room Level 13: First
  • Room Length 13: 0.0
  • Room Width 13: 0.0
Room 14
  • Room Type 14: Dining Room
  • Room Description 14: Area open to Living Room
  • Room Level 14: First
  • Room Length 14: 0.0
  • Room Width 14: 0.0
Room 15
  • Room Type 15: Living Room
  • Room Description 15: Wood Burning Fireplace, Waterfront, Dining
  • Room Level 15: First
  • Room Length 15: 0.0
  • Room Width 15: 0.0
Room 16
  • Room Type 16: Foyer
  • Room Description 16: Open to Living Room
  • Room Level 16: First
  • Room Length 16: 0.0
  • Room Width 16: 0.0
Rental
Rental Information
  • Price Per Area Unit: Dollars Per Square Foot

Property History for 448 McSwain Road

DateEvent & SourcePriceAppreciation
Nov 30, 2025

Pending

CVRMLS #2527858

—
Nov 22, 2025

Price Change

CVRMLS #2527858

$980,000—
Oct 2, 2025

Listed (Active)

CVRMLS #2527858

$1,280,000—
DateEvent & SourcePrice
11/30/2025

Pending

CVRMLS #2527858

—
11/22/2025

Price Change

CVRMLS #2527858

$980,000
10/02/2025

Listed (Active)

CVRMLS #2527858

$1,280,000

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 448 McSwain Road

Taxable ValueLand$239,000Additions$409,000Total$648,000
Tax Record2025$3,564 ($297 / month)
Home Facts
Beds4Total Finished SqFt2,447 SqFtAbove Grade Finished SqFt2,447 SqFtStories2Lot Size74,052 SqFtStyleSingle Family ResidenceYear Built1986ZoningR1CountyLANCASTERAPN29 55EFireplace TypeHas Fireplace

Schools near 448 McSwain Road

This home is within Lancaster County Public Schools.
Rating
School
Type
Grades
Distance
Lancaster Primary School
Public - K to 4
Lancaster Middle School
Public - 5 to 7
Lancaster High School
Public - 8 to 12
Rating
School
Distance
Lancaster Primary School
PublicK to 4

Lancaster Middle School
Public5 to 7

Lancaster High School
Public8 to 12

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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Listing Courtesy of Isabell K. Horsley R. E., Ltd., David Dew; Isabell K. Horsley R. E., Ltd., Kathleen Dew

Based on information from one of the following Multiple Listing Services: CVRMLS, Roanoke Valley Association of REALTORS (Roanoke, VA), LAR, Lynchburg Association of REALTORS® and Charlottesville Area Association of REALTORS. Information being provided is for the visitor’s personal, noncommercial use and may not be used for any purpose other than to identify prospective properties visitor may be interested in purchasing. The data contained herein is copyrighted by CVRMLS, Roanoke Valley Association of REALTORS (Roanoke, VA), LAR, Lynchburg Association of REALTORS® and Charlottesville Area Association of REALTORS is protected by all applicable copyright laws. Any dissemination of this information is in violation of copyright laws and is strictly prohibited. Property information referenced on this web site comes from the Internet Data Exchange (IDX) program of the MLS. This web site may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent who owns this web site. For the avoidance of doubt, the accuracy of all information, regardless of source, is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals.