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For sale
  • Price cut: $20K (8/7)
    $465,000

    1077 N Independence Dr, Montross, VA 22520

    3beds
    1,981sqft
    : 
    $2,824/mo
    Get pre-qualified
    Single Family Residence
    Built in 2002
    1.49 Acres Lot
    $-- Zestimate®
    $235/sqft
    $54/mo HOA

    What's special

    Fully furnished and turnkeyElevated potomac river retreatSweeping viewsEfficient and thoughtful designMore open usable layoutDramatic sunsetsFire pit seating area
    HUGH PRICE IMPROVEMENT! 🌊 Elevated Potomac River Retreat | Turnkey & Fully Furnished Welcome to 1077 N Independence Dr, an elevated Potomac River retreat offering sweeping views, modern comfort, and exceptional flexibility as a personal escape or income-producing investment in Virginia’s Northern Neck. Perched high above the river on a natural bluff, this home enjoys commanding, unobstructed water views and added privacy, with elevation that enhances both scenery and long-term peace of mind. Rather than sitting directly at the water’s edge, the setting provides a unique vantage point—delivering dramatic sunsets, passing sailboats, and panoramic river scenery that remains protected and undisturbed. Inside, this 3-bedroom, 2-bath residence was completely reimagined in 2024 with a focus on smart use of space, functionality, and livability. The home was taken down to the studs, walls were reconfigured, and the kitchen and main-level bathroom were expanded to create a more open, usable layout that lives larger than expected. Every major component is brand new—roof, flooring, appliances, fixtures, bathrooms, and finishes throughout—resulting in a home that feels fresh, modern, and turnkey. Large windows and seamless indoor–outdoor flow bring the riverfront lifestyle front and center. Multiple porches, a sun deck, and a fire pit seating area significantly extend the living space outdoors, making the home ideal for entertaining, relaxing, or simply enjoying the views and river breezes. ✨ What Makes This Property Stand Out Elevated Bluff Setting: Dramatic, protected river views with added privacy and long-term vantage above the Potomac. Efficient & Thoughtful Design: Renovated to maximize function and flow—perfect for buyers who value quality over excess square footage. Fully Furnished & Turnkey: Move right in or launch a short-term rental immediately—furnishings convey. Indoor–Outdoor Living: Multiple outdoor living areas expand usable space and enhance the lifestyle experience. Community Amenities: Access to community beaches, marina, pool, clubhouse, and recreational facilities. 📈 Investor Appeal & Rental Demand The Northern Neck continues to see strong demand for waterfront and water-view Airbnbs, particularly fully furnished, low-maintenance homes within a few hours of Washington, D.C., Northern Virginia, and Fredericksburg. This property’s views, condition, and turnkey nature make it especially attractive for short-term rental buyers seeking solid performance without the burden of major renovations. 💰 Unmatched Value on the Potomac To truly appreciate the opportunity at 1077 N Independence Dr, consider the broader market context. Comparable riverfront or river-view properties along the Potomac in Northern Virginia—particularly in areas like McLean—regularly command $2M+ price points, often with less dramatic views and far higher density. Here, you’re getting elevated, unobstructed panoramic Potomac views, a fully renovated and furnished home, and a turnkey lifestyle—all at a fraction of that cost. Simply put, this property delivers significantly more view, more privacy, and more lifestyle per dollar than nearly anything else on the river. Whether you’re looking for a lock-and-leave second home, a stylish primary residence, or a high-demand short-term rental, 1077 N Independence Dr delivers an elevated river lifestyle that prioritizes views, experience, and simplicity... A value proposition that is exceptionally hard to replicate anywhere closer to D.C. Come see why this setting, design, and location make all the difference—this isn’t about size, it’s about how it lives. 🌅
    207 days
    |
    3,576
    |
    263
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    MICHAEL THRASH 703-717-2767,

    Samson Properties 7033788810

    Source: Bright MLS,MLS#: VAWE2010350MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 2
      • Full bathrooms: 2
      • Main level bathrooms: 1
      • Main level bedrooms: 1
      Basement
      • Area: 0
      Heating
      • Central, Electric
      Cooling
      • Central Air, Electric
      Appliances
      • Included: Stainless Steel Appliance(s), Dishwasher, Dryer, Microwave, Self Cleaning Oven, Refrigerator, Ice Maker, Cooktop, Washer, Water Heater, Electric Water Heater
      • Laundry: Dryer In Unit, Washer In Unit
      Features
      • Open Floorplan, Recessed Lighting, Attic, Bathroom - Walk-In Shower, Ceiling Fan(s), Family Room Off Kitchen, Eat-in Kitchen, Kitchen Island
      • Flooring: Wood
      • Windows: Sliding
      • Has basement: No
      • Has fireplace: No
      Interior area
      • Total structure area: 1,981
      • Total interior livable area: 1,981 sqft
      • Finished area above ground: 1,981
      • Finished area below ground: 0

      Property

      Parking
      • Parking features: Unpaved, Driveway
      • Has uncovered spaces: Yes
      Accessibility
      • Accessibility features: Doors - Swing In
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Porch
      • Exterior features: Balcony
      • Pool features: None
      • Has view: Yes
      • View description: Panoramic, River, Street, Trees/Woods, Water
      • Has water view: Yes
      • Water view: River,Water
      • Waterfront features: Boat/Launch Ramp - Public, River, Fishing Allowed
      • Body of water: Potomac River
      • Frontage length: Water Frontage Ft: 160
      Lot
      • Size: 1.49 Acres
      • Features: Front Yard, Landscaped, Open Lot, Wooded, Rear Yard, SideYard(s)
      Details
      • Additional structures: Above Grade, Below Grade
      • Additional parcels included: This offering is for Lot 163 and Lot 164 together.
      • Parcel number: 22B 164
      • Zoning: R1
      • Zoning description: Single-family Res
      • Special conditions: Standard

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Colonial
      • Property subtype: Single Family Residence
      Materials
      • Aluminum Siding, Brick
      • Foundation: Slab
      • Roof: Shingle
      Condition
      • Very Good
      • New construction: No
      • Year built: 2002
      • Major remodel year: 2024

      Utilities & green energy

      • Sewer: Gravity Sept Fld
      • Water: Public

      Community & HOA

      Community
      • Subdivision: Independence Shores
      HOA
      • Has HOA: Yes
      • Amenities included: Beach Access, Boat Dock/Slip, Basketball Court, Boat Ramp, Clubhouse, Fitness Center, Marina/Marina Club, Non-Lake Recreational Area, Pool, Volleyball Courts, Tot Lots/Playground, Water/Lake Privileges, Tennis Court(s), Picnic Area
      • Services included: Common Area Maintenance, Recreation Facility, Road Maintenance, Snow Removal
      • HOA fee: $54 monthly
      • HOA name: STRATFORD HARBOUR PROPERTY OWNERS ASSOCIATION
      Location
      • Region: Montross

      Financial & listing details

      • Price per square foot: $235/sqft
      • Tax assessed value: $255,900
      • Annual tax amount: $1,740
      • Date on market: 1/16/2026
      • Listing agreement: Exclusive Right To Sell
      • Listing terms: Cash,Conventional,FHA,VA Loan,Negotiable
      • Ownership: Fee Simple

        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        DateEventPrice
        8/7/2026Price change$465,000-4.1%$235/sqft
        Source: Bright MLS #VAWE2010350 Report a problem
        7/18/2026Price change$485,000-1%$245/sqft
        Source: Bright MLS #VAWE2010350 Report a problem
        5/29/2026Price change$490,000-9.3%$247/sqft
        Source: Bright MLS #VAWE2010350 Report a problem
        5/3/2026Price change$540,000+1.9%$273/sqft
        Source: Bright MLS #VAWE2010350 Report a problem
        4/12/2026Price change$530,000-1.9%$268/sqft
        Source: Bright MLS #VAWE2010350 Report a problem
        1/16/2026Listed for sale$540,000+38.8%$273/sqft
        Source: Bright MLS #VAWE2010350 Report a problem
        10/15/2024Sold$389,000-0.2%$196/sqft
        Source: Bright MLS #VAWE2007196 Report a problem
        9/23/2024Contingent$389,900$197/sqft
        Source: Bright MLS #VAWE2007196 Report a problem
        9/20/2024Listed for sale$389,900-2.5%$197/sqft
        Source: Bright MLS #VAWE2007196 Report a problem
        8/30/2021Listing removed$399,999$202/sqft
        Source: Bright MLS #VAWE117752 Report a problem
        8/11/2021Listed for sale$399,999$202/sqft
        Source: Bright MLS #VAWE117752 Report a problem
        7/29/2021Listing removed$399,999$202/sqft
        Source: Bright MLS #VAWE117752 Report a problem
        6/8/2021Price change$399,999-3.6%$202/sqft
        Source: Bright MLS #VAWE117752 Report a problem
        5/11/2021Price change$415,000-2.4%$209/sqft
        Source: Bright MLS #VAWE117752 Report a problem
        2/1/2021Listed for sale$425,000+8400%$215/sqft
        Source: Bright MLS #VAWE117752 Report a problem
        10/14/2020Listing removed$5,000$3/sqft
        Source: RE/MAX Supercenter #106682 Report a problem
        10/13/2020Sold$5,000$3/sqft
        Source: Northern Neck AOR #106682 Report a problem
        2/7/2020Pending sale$5,000$3/sqft
        Source: Re/Max Supercenter #106682 Report a problem
        2/7/2020Listed for sale$5,000-85.7%$3/sqft
        Source: Re/Max Supercenter #106682 Report a problem
        12/31/2019Listing removed$35,000$18/sqft
        Source: Coldwell Banker Elite #VAWE114794 Report a problem
        8/15/2019Price change$35,000-22.2%$18/sqft
        Source: Coldwell Banker Elite #VAWE114794 Report a problem
        7/19/2019Price change$45,000-18.2%$23/sqft
        Source: Coldwell Banker Elite #VAWE114794 Report a problem
        6/28/2019Listed for sale$55,000$28/sqft
        Source: Coldwell Banker Elite #VAWE114794 Report a problem
        3/25/2019Listing removed$55,000$28/sqft
        Source: CENTURY 21 New Millennium #VAWE106650 Report a problem
        3/12/2019Price change$55,000-8.3%$28/sqft
        Source: CENTURY 21 New Millennium #VAWE106650 Report a problem
        2/11/2019Price change$60,000-14.3%$30/sqft
        Source: CENTURY 21 New Millennium #VAWE106650 Report a problem
        1/30/2019Listed for sale$70,000$35/sqft
        Source: CENTURY 21 New Millennium #VAWE106650 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$1,740 $255,900
        2024$1,740 +9.7%$255,900
        2023$1,587 $255,900
        2022$1,587 +22.4%$255,900 +50%
        2021$1,297 +424.9%$170,600 +424.9%
        2020$247 +16.9%$32,500
        2019$211 +3.2%$32,500
        2018$205 $32,500
        2017-- $32,500
        2016-- $32,500 -88.1%
        2015-- $272,600
        2014-- --
        2011-- --
        2010-- --
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 22520

        Getting around

        0 / 100
        Car-Dependent

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Cople
        • Middle: Montross
        • High: Washington And Lee
        • District: Westmoreland County Public Schools

        Source: Bright MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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