Meticulously maintained waterfront home offering comfort, privacy, and modern convenience. Wide water views of Morattico Creek can be enjoyed from nearly every room. The open concept floor plan features split bedrooms, generous closet space, and abundant natural light. The home is being sold fully furnished, making it a true turnkey opportunity. A spacious waterfront deck is perfect for dining, entertaining, or simply relaxing while enjoying the serene views. A gentle pathway leads to the private pier, where you can fish, crab, launch a kayak, or ride down on a golf cart or ATV. Recent additions include an above-ground pool, attractive landscaping, and a natural walking trail. The shoreline is protected with riprap, marsh grasses, and mature vegetation. Eagles, herons, ospreys, and even dolphins and swans are frequent visitors, offering daily opportunities to enjoy wildlife and nature. High speed fiber optic internet makes working from home and streaming effortless. While the property feels secluded, it is only a short drive to Warsaw and Kilmarnock for shopping, dining, and conveniences. A nearby marina and campground provide boat sales, service, and fuel. Located just five minutes by boat from the Rappahannock River, this home combines rural privacy with modern amenities, making it ideal for year-round living or a weekend retreat.
For sale
Price cut: $10K (3/31)
$639,000
435 Morattico Creek Rd, Farnham, VA 22460
3beds
1,608sqft
Est.:
Waterfront Residential
Built in 1989
6.4 Acres Lot
$611,400 Zestimate®
$397/sqft
$-- HOA
What's special
Above-ground poolNatural walking trailOpen concept floor planSplit bedroomsAttractive landscapingAbundant natural lightPrivate pier
- 193 days |
- 1,241 |
- 76 |
Zillow last checked: 7 hours ago
Listing updated: March 31, 2026 at 12:19pm
Listed by:
B. Jason Patton,
Bay River Realty
Source: Northern Neck AOR,MLS#: 119437
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Bedroom 1
- Level: First
- Area: 151
- Dimensions: 12.58 x 12
Bedroom 2
- Level: First
- Area: 130.03
- Dimensions: 12.58 x 10.33
Bedroom 3
- Level: First
- Area: 113.25
- Dimensions: 12.58 x 9
Dining room
- Features: Great Room Combination
Kitchen
- Level: First
- Area: 264.25
- Dimensions: 12.58 x 12.58
Heating
- Heat Pump
Cooling
- Heat Pump
Appliances
- Included: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Electric Water Heater
- Laundry: Washer/Dryer Hookup
Features
- 1st Floor Bedroom, Cathedral/Vaulted/Tray Ceilings, Fireplace, Great Room
- Flooring: Tile, Vinyl
- Windows: Double Pane Windows, Skylight(s)
- Basement: Crawl Space
- Has fireplace: Yes
- Fireplace features: Great Room, Gas Log
Interior area
- Total structure area: 1,608
- Total interior livable area: 1,608 sqft
Video & virtual tour
Property
Parking
- Parking features: None, Stone Driveway
- Has uncovered spaces: Yes
Features
- Levels: One
- Patio & porch: Deck
- Has private pool: Yes
- Pool features: Outdoor Pool
- On waterfront: Yes
- Waterfront features: Pier/Dock, River/Creek Front
- Body of water: Rappahannock River
- Frontage length: 443
Lot
- Size: 6.4 Acres
- Features: 5-9.9 acres, Wooded
Details
- Additional structures: Shed(s)
- Parcel number: 4351E
- Zoning description: R-2
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Other
- Property subtype: Waterfront Residential
Materials
- Panel Walls, Wood Siding
- Roof: Age 0-9 yrs,Composition
Condition
- Year built: 1989
Utilities & green energy
- Sewer: Septic Tank
- Water: Shallow
Community & HOA
Community
- Subdivision: Not Located In Subdivision
HOA
- Has HOA: No
Location
- Region: Farnham
Financial & listing details
- Price per square foot: $397/sqft
- Tax assessed value: $329,206
- Annual tax amount: $1,975
- Date on market: 9/24/2025
- Listing terms: Cash,Conventional
- Road surface type: Stone
Estimated market value
$611,400
$581,000 - $642,000
$2,000/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 3/31/2026 | Price change | $639,000-1.5%$397/sqft |
Source: Northern Neck AOR #119437 Report a problem | ||
| 9/24/2025 | Listed for sale | $649,000+18.4%$404/sqft |
Source: Northern Neck AOR #119437 Report a problem | ||
| 5/16/2024 | Sold | $548,000-0.2%$341/sqft |
Source:  CVRMLS #2408258 Report a problem | ||
| 4/17/2024 | Pending sale | $549,000$341/sqft |
Source: CVRMLS #2408258 Report a problem | ||
| 4/3/2024 | Listed for sale | $549,000+92.6%$341/sqft |
Source: CVRMLS #2408258 Report a problem | ||
| 10/1/2019 | Sold | $285,000-5%$177/sqft |
Source: Northern Neck AOR #104601 Report a problem | ||
| 9/3/2019 | Pending sale | $299,900$187/sqft |
Source: Bay River Realty #104601 Report a problem | ||
| 6/5/2019 | Price change | $299,900-6%$187/sqft |
Source: Bay River Realty #104601 Report a problem | ||
| 2/9/2019 | Listed for sale | $319,000$198/sqft |
Source: Bay River Realty #104601 Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $1,975 +4.7% | $329,206 +22.2% |
| 2023 | $1,886 | $269,457 |
| 2022 | $1,886 | $269,457 |
| 2021 | $1,886 +2.6% | $269,457 +2.6% |
| 2018 | $1,839 | $262,672 |
| 2017 | $1,839 | $262,672 |
| 2016 | $1,839 +4.5% | -- |
| 2015 | $1,760 0% | -- |
| 2014 | $1,760 | -- |
| 2013 | $1,760 | -- |
| 2012 | $1,760 | -- |
| 2011 | $1,760 +19.2% | -- |
| 2010 | $1,476 | -- |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$3,493/mo
Principal & interest
$3200
Property taxes
$293
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Climate risks
Neighborhood: 22460
Nearby schools
GreatSchools rating
- 5/10Richmond County Elementary SchoolGrades: PK-7Distance: 10.5 mi
- 7/10Rappahannock High SchoolGrades: 8-12Distance: 10.7 mi
Local experts in 22460
- Virginia
- Richmond County
- Farnham
- 22460
- 435 Morattico Creek Rd
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