BRING ALL YOUR TOYS! BOATS, MOTORCYCLES, RV, JET SKIS, KAYAKS, AND UTILITY TRAILERS. LOTS OF STORAGE SPACE FOR THEM! WELCOME TO WONDERFUL LIVING IN STRATFORD HARBOUR. THIS UNIQUE COTTAGE CHALET SITS ON A COMBINED LOT WITH ONLY 1 HOA FEE, IT BOAST 3 BEDROOMS, 2 BATHS AND IF YOU WANT A GARAGE THERE IS NOT ONE BUT TWO DOUBLE CAR GARAGES WITH AN ADDITIONAL CARPORT FOR PLENTY OF ROOM FOR YOUR TOYS. THERE IS A HOOKUP FOR RECHARGING YOUR RV AND EACH GARAGE HAS ITS OWN GARAGE DOOR OPENERS WITH REMOTES. MOTION ACTIVATED SECURITY LIGHTS ON THE GARAGES AND COVERED CARPORT. THE PROPERTY BOASTS AN ASPHALT DRIVEWAY (30X77) TO ACCOMMODATE MULTIPLE VEHICLE PARKING. AFTER A DAY OF FUN AND PLAYING WITH YOUR TOYS, THERE IS A SPOT BETWEEN TWO SEASONED OAK TREES TO STRING YOUR HAMMOCK FOR RELAXATION IN THE SHADE. THE PROPERTY IS A SHORT DISTANCE TO THE MARINA ON THE POTOMAC AND L AKE INDEPENDENCE FOR LAUNCHING. THERE IS AN OUTSIDE DECK OFF THE KITCHEN FOR GRILLING AND RELAXATION. THE MAIN FLOOR HAS AN OPEN FLOOR PLAN WITH KITCHEN/DINING AREA WITH ISLAND, BATHROOM/LAUNDRY ROOM AND ONE BEDROOM. THE UPSTAIRS FEATURES 2 BEDROOMS AND ONE BATH. ALL NEW GENERAL ELECTRIC (GE) ENERGY EFFICIENT APPLIANCES WERE PUT IN WITH THE EXCEPTION OF THE DISHWASHER. METICULOUS CARE HAS BEEN TAKEN BY THE SELLER DURING HIS OWNERSHIP BY WATERPROOFING/SUMP PUMP THE CRAWL SPACE WITH NEW VAPOR BARRIER (12ML), PRESSURE WASHING OF THE HOME AND GARAGES, STAINING OF DECK AND GARAGE LANDING AS WELL AS DECK LEVELING. NEW ROOF IN 2025 ON THE HOME AND GARAGE. RECENTLY PAINTED THROUGHOUT THE INSIDE INCLUDING TRIM, DOORS, CLOSETS AND SHEVLES. OUTSIDE PAINTING WAS RECENTLY DONE ON THE FRONT COLUMNS/GARAGE DOOR AD CRAWL SPACE DOOR AND HOUSE DOOR, AND TRIM. Owner had taken property off the market in order to do some upgrades that would enhance the sale of the property. Owner has replaced the old fluorescent light fixtures with new energy efficient LED lighting, installation of Crown Molding on the first level,( foyer, kitchen, dining room, and living room), repair hairline cracks in drywall, and painted the ceiling on the entire first level, pruning of trees at specific location on the property and exterior painting of garage. THIS HOME IS READY TO MOVE IN AND AFFORD YOU THE COMFORT OF A YEAR-ROUND HOME OR SECOND HOME FOR YOUR ENJOYMENT. OTHER AMENITIES OF THE COMMUNITY ARE TWO BEACHES, CLUBHOUSE, SWIMMING POOL, TOT LOT, TENNIS/PICKLE BALL COURTS, BASKETBALL, SOCCER FIELD AREA AND PAVILION FOR PICNICS AND GATHERINGS.
For sale
$360,900
70 Francis St, Montross, VA 22520
3beds
1,276sqft
Single Family Residence
Built in 2001
0.88 Acres Lot
$357,700 Zestimate®
$283/sqft
$46/mo HOA
What's special
Two double car garages
- 75 days
- 116
- 6
Likely to sell faster than
Zillow last checked:
Listing updated:
Listed by:
Susan E Johnson 804-761-5094,
CENTURY 21 New Millennium 5403732000
Source: Bright MLS,MLS#: VAWE2011578
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
- Main level bedrooms: 1
Rooms
- Room types: Living Room, Dining Room, Bedroom 2, Bedroom 3, Kitchen, Bathroom 2
Bedroom 2
- Level: Upper
Bedroom 3
- Level: Upper
Bathroom 2
- Level: Upper
Dining room
- Level: Main
Kitchen
- Level: Main
Living room
- Level: Main
Heating
- Heat Pump, Electric
Cooling
- Ceiling Fan(s), Central Air, Heat Pump, Electric
Appliances
- Included: Microwave, Dishwasher, Range Hood, Refrigerator, Cooktop, Washer/Dryer Stacked, Dryer, Electric Water Heater
- Laundry: Main Level, Dryer In Unit, Washer In Unit
Features
- Breakfast Area, Ceiling Fan(s), Combination Kitchen/Dining, Entry Level Bedroom, Open Floorplan, Kitchen - Galley, Kitchen Island
- Windows: Bay/Bow
- Has basement: No
- Has fireplace: No
Interior area
- Total structure area: 1,276
- Total interior livable area: 1,276 sqft
- Finished area above ground: 1,276
- Finished area below ground: 0
Property
Parking
- Total spaces: 6
- Parking features: Garage Faces Front, Garage Door Opener, Garage Faces Side, Asphalt, Detached, Driveway
- Garage spaces: 4
- Uncovered spaces: 2
Accessibility
- Accessibility features: None
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck
- Exterior features: Bump-outs, Lighting
- Pool features: Community
- Waterfront features: Lake
- Body of water: Lake Independence
- Frontage length: Road Frontage: 164
Lot
- Size: 0.88 Acres
- Dimensions: 243.33 x 83.50 258.44 x 80
- Features: Backs to Trees, Wooded, Private
Details
- Additional structures: Above Grade, Below Grade
- Additional parcels included: LOTS 38 AND 39 COMBINED.
- Parcel number: 23D 38
- Zoning: R1
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Chalet,Cottage,Other
- Property subtype: Single Family Residence
Materials
- Vinyl Siding
- Foundation: Block, Crawl Space
Condition
- Excellent
- New construction: No
- Year built: 2001
Utilities & green energy
- Sewer: Gravity Sept Fld, Septic = # of BR, Septic Exists
- Water: Public
- Utilities for property: Broadband
Community & HOA
Community
- Features: Pool
- Security: Exterior Cameras, Motion Detectors
- Subdivision: Stratford Harbour
HOA
- Has HOA: Yes
- HOA fee: $550 annually
- HOA name: STRATFORD HARBOUR PROPERTY OWNERS ASSOCIATION
Location
- Region: Montross
Financial & listing details
- Price per square foot: $283/sqft
- Tax assessed value: $200,200
- Annual tax amount: $1,362
- Date on market: 6/27/2026
- Listing agreement: Exclusive Right To Sell
- Listing terms: Cash,Conventional,FHA,Rural Development,USDA Loan,VA Loan
- Ownership: Fee Simple
- Road surface type: Black Top, Paved
Estimated market value
$357,700
$340,000 - $376,000
$1,652/mo
Price history
| Date | Event | Price |
|---|---|---|
| 9/1/2026 | Listed for sale | $360,900+1.7%$283/sqft |
Source: | ||
| 7/24/2026 | Listing removed | $355,000$278/sqft |
Source: | ||
| 7/2/2026 | Contingent | $355,000$278/sqft |
Source: | ||
| 6/27/2026 | Listed for sale | $355,000$278/sqft |
Source: | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $1,361 | $200,200 |
| 2024 | $1,361 +9.7% | $200,200 |
| 2023 | $1,241 | $200,200 |
| 2022 | $1,241 -2.7% | $200,200 +19.3% |
| 2021 | $1,275 | $167,800 |
| 2020 | $1,275 +16.9% | $167,800 |
| 2019 | $1,091 +3.2% | $167,800 |
| 2018 | $1,057 | $167,800 +11.5% |
| 2017 | -- | $150,500 |
| 2016 | -- | $150,500 -3.5% |
| 2015 | -- | $156,000 |
| 2014 | -- | -- |
| 2011 | -- | -- |
| 2010 | -- | -- |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
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Neighborhood: 22520
Nearby schools
Schools provided by the listing agent
- 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.






