Anderson Bay
Your experts in real estate on Virginia's Chesapeake Bay

"Carters Cove" ~ Carters Creek ~ 3 acres

This out-of-the-ordinary home is privately situated on 3 park-like acres with long views, 3' ± Mean Low Water, and mature plantings. There is a gently sloping yard down to 350 feet of bulkheaded shoreline, with the house located about 25 feet from the creek and facing west for pretty sunset views. A wooden boat landing plus an existing boat ramp serve as your gateway to the Bay, and marine charts show deeper water just off shore. There is a two-bay, open, detached garage. Carters Creek empties into the Rappahannock River, which flows into the Chesapeake Bay just east of the bridge in White Stone, Virginia.

This country-style house contains 3000 ± square feet in two sections, and is really two houses put together: a traditional tidewater-style farmhouse with 980 ± square feet on the first floor and 448 ± square feet upstairs and a newer brick ranch-style home with 1500 ± square feet on the main floor, and 1200 ± square feet in the basement. The brick house was built in 1985 and features a formal living room, 3 bedrooms, a large bath, a laundry room and a large, country kitchen with hardwood countertops. There is wall to wall carpeting in most of this section and central heating and air conditioning by heat pump. The brick house has a walkout basement with a wood-burning fireplace, a full bath, and lots of space for all your projects. There is a large deck that runs the full length of this wing with upstream views of the headwaters of Carters Cove and downstream views of the sunsets over Carters Creek. The brick house is sound and functional, but the roof shingles will need replacing soon as they are 19 years old, as is the heat pump.

The turn-of-the-century farmhouse has structural damage in the crawl space, but is currently being used with no problems. It offers a family room with an integrated sun room addition. The family room and the old kitchen room offer interesting bead-board paneling, including diamond-patterned ceilings. There is a bathroom with an old metal shower stall, just inside the separate entry door off the front porch and tucked underneath the staircase. Upstairs are 3 spare rooms with beamed ceilings. The outside of this section has been covered in vinyl siding for easy maintenance, with vinyl replacement windows, and had a new roof installed about 5 years ago (1997). The farmhouse has pine flooring and a propane gas space heater. The farmhouse rooms use window air conditioning units; these do not convey. The sun porch is built on treated wooden pilings.

A home inspection and termite inspection revealed powder post beetle damage to the subfloor of the farmhouse; a repair estimate to replace the beams and subfloor and repair the brick piers, to be done "from the top down" because of the small crawlspace, came in at $48,000. An estimate to disconnect and completely remove the farmhouse and the sun porch addition and clean up the job site came in at $5,500.00 to $6,000.00. Because the farmhouse is functionally obsolete, with no central heating and cooling, and ungrounded electrical wiring, sadly, it makes more economic sense to tear it down, unless you want to make the repairs yourself. It looks like there is an exterior quality brick wall where the brick house is connected to the farmhouse, so it should be possible to take the farmhouse down without having to do very much re-finishing on the exterior of the brick ranch. The price has been reduced by $30,000.00 (from $399,000.00) because of the inspection results.

The existing septic system is designed for 3 bedrooms, which the health department counts as 6 full time residents. The house is currently served by a shallow well with a water conditioner. A hook-up to the town artesian water supply is available and would cost $1,995.00 plus the cost of running pipe to the house.

Deed restrictions state: (1) No more than two houses, together with out buildings, shall be erected on the subject property, and each house shall have a minimum of 1,500 square feet of living space, exclusive of garges, porches and decks. (2) No cows, horses or other barnyard animals shall be kept or raised on the subject property, however, domestic pets shall be allowed.

Most valuable is this large parcel of land fronting on Carters Creek, highly desirable because of the proximity to the Tides Inn resort, where you can take your guests out to dinner by boat, or cruise over to watch the July 4th fireworks. This property is tucked just inside the mouth of the creek with a protected harbor just off the Rappahannock River.

While the house is now fully servicable, it could be updated to create something grand, or used as a summer retreat until you're ready to rebuild. Because of the powder post beetle damage under the farmhouse, this house does not qualify for a conventional mortgage. The Bank of Lancaster can do a Special Portfolio loan which is held in-house, or a construction loan or land loan should be possible. The Carters Cove House is ready for your individual touches to bring out it's full potential! It could be an extremely private estate with some landscaping and has plenty of space for a guest cottage (depending on perk approval), multiple garages, swimming pool, and/or tennis court.

Exclusively Offered for $369,000

SOLD 6/11/04 @ $369,000.

The view from the deck.

Roses grow very well in the Northern Neck and a rose garden makes a nice addition to the yard.

The boat landing and fish cleaning station, as seen from the deck. The boundary runs almost to the neighbor's pier.

The water side of the house clearly shows the brick ranch home on the left side and the original farm house to the right.

Three acres affords a nice sense of privacy and spaciousness.

The plat.

The chart.
Use this Link to see more photos on page 2. 
Use this Link to see more photos on page 3 
Use this Link to see interior photos on page 4 

For more details, feel free to call:

Bruce & Jill Anderson

Telephone: 804-436-5251

picture of a mailbox
E-mail Us!


Bruce & Jill are licensed agents in the
Commonwealth of Virgina with:
P.O. BOX 301 

Copyright 2002, Bruce & Jill Anderson