For sale

Price cut: $20K (7/24)

$649,900

646 Twin Harbor Rd, Reedville, VA 22539

4beds

2,800sqft

$3,928/mo

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Single Family Residence

Built in 2002

1.74 Acres Lot

$631,100 Zestimate^®

$232/sqft

$23/mo HOA

What's special

Gas fireplaceDock with boat liftLarge covered porchScreened porchFormal dining roomLaundry area

~ Charming Waterfront Home in the Twin Harbor Community, right off of the Chesapeake Bay ~ This 4 bedroom, 3.5 bath home has plenty of room to entertain. From the moment you walk in the foyer, you can see the water. The main floor offers a formal living room, formal dining room, a large kitchen that opens up to the living room (gas fireplace), a primary suite with large bathroom, a half bath and laundry area. On the second floor, there is another primary suite , along with 2 additional bedrooms and another full bath. The exterior of the home offers a screened porch, a large covered porch, dock with boat lift, a 2 car garage with an unfinished room upstairs and a shed. The community offers a sandy beach area, a boat ramp and a boat storage area. Both HVAC units were replaced approximately 2 years ago. The water heater is approximately 3 years old.

40 days

967

83

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 4
Bathrooms: 4
Full bathrooms: 3
1/2 bathrooms: 1

Heating

Electric, Zoned

Cooling

Electric

Appliances

Laundry: Dryer Hookup

Features

Bedroom on Main Level, Ceiling Fan(s), Fireplace, Granite Counters, Main Level Primary
Basement: Crawl Space
Attic: Access Only
Number of fireplaces: 1
Fireplace features: Gas

Interior area

Total interior livable area: 2,800 sqft
Finished area above ground: 2,800
Finished area below ground: 0

Property

Parking

Total spaces: 2
Parking features: Detached, Garage, Storage
Garage spaces: 2

Features

Levels: Two
Stories: 2
Patio & porch: Front Porch, Screened, Porch
Exterior features: Dock, Porch
Pool features: None
On waterfront: Yes
Waterfront features: Beach Access, Water Access, Waterfront

Lot

Size: 1.74 Acres
Features: Beach Front, Waterfront

Details

Parcel number: 38F10190

Construction

Type & style

Home type: SingleFamily
Architectural style: Two Story
Property subtype: Single Family Residence

Materials

Drywall, Frame, Vinyl Siding
Roof: Shingle

Condition

Resale
New construction: No
Year built: 2002

Utilities & green energy

Sewer: Community/Coop Sewer
Water: Well

Community & HOA

Community

Subdivision: Twin Harbors

HOA

Has HOA: Yes
Services included: Common Areas, Water Access
HOA fee: $275 annually

Location

Region: Reedville

Financial & listing details

Price per square foot: $232/sqft
Tax assessed value: $435,700
Annual tax amount: $3,224
Date on market: 6/18/2026
Ownership: Individuals
Ownership type: Sole Proprietor

Estimated market value

$631,100

$600,000 - $663,000

$2,827/mo

Price history

Date	Event	Price
7/24/2026	Price change	$649,900-3%$232/sqft
Source: Chesapeake Bay & Rivers AOR #202601032 Report a problem
7/9/2026	Price change	$669,900-4.3%$239/sqft
Source: Chesapeake Bay & Rivers AOR #202601032 Report a problem
6/19/2026	Listed for sale	$699,900$250/sqft
Source: Chesapeake Bay & Rivers AOR #202601032 Report a problem

Public tax history

Year	Property taxes	Tax assessment
2025	$3,224 +12.1%	$435,700
2024	$2,876 +8.2%	$435,700
2023	$2,658	$435,700
2022	$2,658	$435,700
2021	$2,658 +3.4%	$435,700
2020	$2,571 -4.1%	$435,700 -4.1%
2019	$2,679	$454,100
2018	--	$454,100
2017	--	$454,100
2016	--	$454,100
2015	--	$454,100
2014	--	$454,100 -11.9%
2013	--	$515,200
2012	--	$515,200
2011	--	$515,200
2010	--	$515,200

Find assessor info on the county website

Monthly payment

Est. payment

Payment breakdown

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Principal & interest
$1,547
Mortgage insurance
$0
Property taxes
$170
Home insurance
$105
HOA fees
$0
Utilities
Not included

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: 22539

Getting around

0 / 100

Car-Dependent

25 / 100

Somewhat Bikeable

Nearby schools

GreatSchools rating

6/10
Northumberland Elementary School
Grades: PK-5Distance: 10.9 mi
5/10
Northumberland Middle School
Grades: 6-8Distance: 11 mi
5/10
Northumberland High School
Grades: 9-12Distance: 11 mi

Schools provided by the listing agent

Elementary: Northumberland
Middle: Northumberland
High: Northumberland

Source: Chesapeake Bay & Rivers AOR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.