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For sale
    • $299,000

    351 E Bay Dr, White Stone, VA 22578

    2beds
    988sqft
    : 
    $1,782/mo
    Get pre-qualified
    Single Family Residence
    Built in 1974
    0.29 Acres Lot
    $-- Zestimate®
    $303/sqft
    $13/mo HOA

    What's special

    Wood-burning fireplaceProtected coveWaterside fire pitSpacious screened porchNewer windowsPrivate pier
    Affordable Waterfront Cottage on Dymer Creek!! Enjoy relaxed coastal living in this Dymer Creek cottage just off the Chesapeake Bay. The property offers a private pier with 2–3' MLW (buyer to verify) in a protected cove, perfect for boating, fishing, or kayaking, yet moments from open waters. Inside, you’ll find an open living room with a wood-burning fireplace, dining area off the kitchen, two bedrooms, a bonus guest area, and one bath, plus a spacious porch overlooking the waterfront for dining or unwinding by the creek. Recent updates include newer windows (4–5 years) and a roof under 10 years old. Located in a small waterfront community with minimal restrictions, owners benefit from a community very nice NEW BOAT RAMP, playground, clubhouse, and road maintenance for just $125 per year. Golf Cart Community! Appliances convey. Conveniently close to White Stone, Irvington, and Kilmarnock, this property offers an affordable opportunity to enjoy the waterfront lifestyle on beautiful Dymer Creek. *See Featured Sheet**
    224 days
    |
    972
    |
    66
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    David Dew 804-436-3106,

    Isabell K. Horsley R. E., Ltd. 804-758-2430,

    Kathleen Dew 804-436-6256,

    Isabell K. Horsley R. E., Ltd.

    Source: CVRMLS,MLS#: 2530050MLS LogoOriginating MLS: Central Virginia Regional MLS

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 2
      • Bathrooms: 1
      • Full bathrooms: 1
      Primary bedroom
      • Description: Ceiling & Closet
      • Level: First
      • Dimensions: 0 x 0
      Bedroom 2
      • Description: ceiling fan & closet
      • Level: First
      • Dimensions: 0 x 0
      Additional room
      • Description: HUGE Screen Porch (Not heated/cooled)
      • Level: First
      • Dimensions: 0 x 0
      Dining room
      • Level: First
      • Dimensions: 0 x 0
      Other
      • Description: Tub & Shower
      • Level: First
      Kitchen
      • Level: First
      • Dimensions: 0 x 0
      Living room
      • Description: Wood Burning Fireplace
      • Level: First
      • Dimensions: 0 x 0
      Heating
      • Electric, Heat Pump
      Cooling
      • Heat Pump
      Appliances
      • Included: Dryer, Electric Cooking, Electric Water Heater, Refrigerator, Stove, Washer
      Features
      • Bedroom on Main Level, Fireplace, Laminate Counters
      • Flooring: Laminate, Linoleum, Vinyl
      • Windows: Screens
      • Has basement: No
      • Attic: Access Only
      • Number of fireplaces: 1
      • Fireplace features: Wood Burning
      Interior area
      • Total interior livable area: 988 sqft
      • Finished area above ground: 988
      • Finished area below ground: 0

      Property

      Features
      • Levels: One
      • Stories: 1
      • Patio & porch: Screened
      • Exterior features: Dock
      • Pool features: None
      • Has view: Yes
      • View description: Water
      • Has water view: Yes
      • Water view: Water
      • Waterfront features: Creek, Dock Access, Mooring, Waterfront
      • Body of water: DYMER CREEK
      Lot
      • Size: 0.29 Acres
      • Features: Waterfront, Level
      • Topography: Level
      Details
      • Parcel number: 29B 111 25

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Ranch
      • Property subtype: Single Family Residence
      Materials
      • Block, Concrete
      • Foundation: Slab
      • Roof: Composition
      Condition
      • Resale
      • New construction: No
      • Year built: 1974

      Utilities & green energy

      • Sewer: Septic Tank
      • Water: Other

      Community & HOA

      Community
      • Features: Boat Facilities, Common Grounds/Area, Clubhouse, Playground
      • Subdivision: Dymer Shores Estates
      HOA
      • Has HOA: Yes
      • Services included: Road Maintenance
      • HOA fee: $150 annually
      Location
      • Region: White Stone

      Financial & listing details

      • Price per square foot: $303/sqft
      • Tax assessed value: $160,900
      • Annual tax amount: $885
      • Date on market: 12/19/2025
      • Ownership: Individuals
      • Ownership type: Sole Proprietor

        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        DateEventPrice
        4/24/2026Price change$299,000-8%$303/sqft
        Source: Northern Neck AOR #120342 Report a problem
        3/17/2026Listed for sale$325,000$329/sqft
        Source: Northern Neck AOR #119611 Report a problem
        1/25/2026Pending sale$325,000$329/sqft
        Source: Northern Neck AOR #119611 Report a problem
        10/30/2025Listed for sale$325,000$329/sqft
        Source: Northern Neck AOR #119611 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$885 $160,900
        2024$885 +30.8%$160,900 +49.8%
        2023$677 $107,400
        2022$677 $107,400
        2021$677 $107,400
        2020$677 +11%$107,400 +4%
        2018$609 $103,300
        2017-- $103,300
        2016-- $103,300
        2015-- $103,300
        2014-- --
        2013-- --
        2012-- --
        2010-- --
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        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: 22578

        Getting around

        0 / 100
        Car-Dependent
        36 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Lancaster
        • Middle: Lancaster
        • High: Lancaster

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

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