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Velma Toney
velmatoneyVArealtor@gmail.com velmatoneyVArealtor.com
REALTOR®
(804) 638-9599
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450 Cottage Row, Tappahannock, VA 22560

$774,900
  • 450 Cottage Row, Tappahannock, VA 22560 Main Photo

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Velma Toney
Call: (804) 638-9599

New to the Market Active
BEDS3 BATHS2 full SQUARE FEET1,861 MLS#2619060
STATUSActive PROPERTY TYPEResidential - Single Family

Property Description

Experience waterfront living in this charming 3-bedroom, 2-full-bath home with incredible views of the Rappahannock River. Perfect as a full-time residence or weekend getaway, this property offers comfort, recreation, and a newer roof for added peace of mind. The first floor features a spacious primary suite, second bedroom, full bath, and dedicated laundry room. Relax in the inviting sunroom or enjoy the cozy living and dining areas, featuring solid oak flooring and beautiful river views. Upstairs, a large bedroom or bunkroom overlooks the Rappahannock River and provides flexible space for guests, children, or additional sleeping accommodations. Outdoor living is a highlight of this property, with two decks-one attached to the house and another perched on the hillside overlooking the water. Both offer excellent spaces for grilling, dining, entertaining, or simply taking in the peaceful surroundings. A charming stone paver walkway creates an attractive entrance to the home. Enjoy direct river access from your private pier, complete with a jet ski lift, boat lift, and water service. Spend your days boating, fishing, kayaking, swimming, or relaxing on your own sandy beach. The home is conveniently located near Garrett's Marina, offering easy access to boat storage, fuel, maintenance, and other boating services. The golf-cart-friendly community provides a welcoming atmosphere and hosts an annual Fourth of July picnic and parade enjoyed by residents of all ages. High-speed internet is available, making it easy to work remotely, stream entertainment, and stay connected. Furniture is negotiable, allowing for an easier transition into waterfront living. With a private pier, sandy beach, breathtaking views, and multiple outdoor entertaining areas, this special property offers everything you need to enjoy life on the Rappahannock River.

Property Features

Property Type: Residential - Single Family
Basement: Crawl Space
Cooling: Electric, Heat Pump, Zoned
Heating: Heat Pump, Propane, Multi-Fuel, Zoned
Home Style: Cape Cod
Lot Size: 0.26 Acres
Roof Type: Shingle
Stories: 2.0
Taxes: $2,890
Year Built: 1932

Feature Descriptions

Appliances: Double Oven, Dishwasher, Electric Water Heater, Gas Cooking, Microwave, Oven, Range Hood, Stove
Body of Water: Rappahannock
Days on Site: 1
Exterior: Brick, Block, Drywall, HardiPlank Type
Exterior: Paved Driveway
Fencing: Front Yard, None, Picket
Floor Features: Partially Carpeted, Wood
Interior: Bedroom on Main Level, Main Level Primary
Lot: Beach Front, Waterfront
Parcel#: 53A-2-16
Parking: Driveway, Oversized, Paved
Patio/Porch: Deck, Front Porch
Security: Smoke Detector(s)
Sewer: Septic Tank
Special View Info: Water
Water: Community/Coop, Shared Well
Water Features: Beach Access, Dock Access, Mooring, Navigable Water, River Front, Bulkhead, Waterfront

Local Schools

High School: Essex
Middle School: Essex
Elementary School: Tappahannock

Listed By / Shown By

Listed By

Agency Name: Realty Richmond
Agency Contact: info@realtyrichmondva.com

Shown By

Agent Name: Velma Toney
Agent Phone: (804) 638-9599
Agency Title: Napier Realtors ERA

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Estimate Your Payment

Estimated Payment

$ 2,191.44 per month $1,724.59 Principal & Interest $240.83 Property Tax $226.01 Homeowner's Insurance

Change Payment Information

%
years/fixed
yearly
yearly (est.)
(Payments are an estimate and may vary by lender)
Movement Mortgage
Listed By: Realty Richmond

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Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 07/20/2026. The listing information on this page last changed on 07/20/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Mon 07/20/2026 1:48:40 PM EST) or CAAR MLS (last updated Mon 07/20/2026 1:40:08 PM EST) or CVRMLS (last updated Mon 07/20/2026 1:43:38 PM EST) or Williamsburg MLS (last updated Mon 07/20/2026 10:55:40 AM EST) or NNAR MLS (last updated Mon 07/20/2026 1:26:50 PM EST) or Chesapeake Bay & Rivers (last updated Mon 07/20/2026 12:50:43 PM EST). Real estate listings held by brokerage firms other than Napier Realtors ERA may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.



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