Southern Living Bay Cottage on Harvey's Creek with incredible Bay and water views with all the charm you could ever desire. Picture perfect point lot with 700ft+ feet of waterfrontage Bay and wildlife views, sand beach, tidal pond, beautifully landscaped grounds.Open living/kitchen with fireplace, cozy family/media room, 2 bedrooms & bath on main level and 3rd bedroom with bath, laundry room and office loft on 2nd level. Cottage is connected by two covered porches to a 2 car oversized garage with outdoor steps from porch up to guest quarters with 4th bedroom with bath. Enjoy the outside grilling deck off the cottage family room. Additional land features include detached guest cottage with downstairs game/media area and upstairs 5th bedroom and bath. Outside features include firepit, fantastic water views in all directions, waterside lounging area, great dock, two lifts, water and electricity, plus room for all the water toys and fishing gear. This is a river compound designed for just you or all your family & friends. Beautiful privacy, great community, etc. There is a controlling depth at mouth of Harvey's Creek but accommodates most size power boats. 2.05 acres of privacy in a sought-after community. Features: 5 bedrooms, 4 baths, bulkhead shoreline, conditioned crawl space, generator, sand beach, dock and 15 minutes to Kilmarnock, Country club and all the area's special features. Perfect primary or second home. Home is being sold furnished except for some personal items. A list is available. Make an appointment to visit this ideal waterfront property.
For sale
$1,349,000
1513 Harding Rd, Heathsville, VA 22473
4beds
2,558sqft
Est.:
Single Family Residence
Built in 1999
2.05 Acres Lot
$-- Zestimate®
$527/sqft
$30/mo HOA
What's special
Tidal pondSand beachGreat dockPicture perfect point lotBeautifully landscaped groundsBay and wildlife viewsBeautiful privacy
- 3 days |
- 405 |
- 34 |
Zillow last checked:
Listing updated:
Listed by:
Sandra H. Hargett 804-436-3454,
Liz Moore & Associates
Source: Chesapeake Bay & Rivers AOR,MLS#: 202600825Originating MLS: Chesapeake Bay Area MLS
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 2
- 1/2 bathrooms: 2
Heating
- Electric, Forced Air, Heat Pump
Cooling
- Central Air, Electric, Heat Pump
Appliances
- Included: Dryer, Dishwasher, Electric Water Heater, Gas Cooking, Microwave, Oven, Refrigerator, Stove, Washer
- Laundry: Washer Hookup, Dryer Hookup
Features
- Bedroom on Main Level, Ceiling Fan(s), Fireplace, High Ceilings
- Flooring: Tile, Wood
- Doors: Storm Door(s)
- Windows: Storm Window(s)
- Basement: Crawl Space
- Attic: None
- Number of fireplaces: 1
- Fireplace features: Gas
Interior area
- Total interior livable area: 2,558 sqft
- Finished area above ground: 2,558
- Finished area below ground: 0
Video & virtual tour
Property
Parking
- Total spaces: 2
- Parking features: Attached, Driveway, Garage, Unpaved
- Attached garage spaces: 2
- Has uncovered spaces: Yes
Features
- Levels: Two
- Stories: 2
- Patio & porch: Wrap Around, Deck, Porch
- Exterior features: Boat Lift, Deck, Dock, Porch, Unpaved Driveway
- Pool features: None
- Fencing: None
- On waterfront: Yes
- Waterfront features: Creek, Boat Ramp/Lift Access, Waterfront
- Body of water: Harveys Creek
- Frontage length: 790.0000,790.0000
Lot
- Size: 2.05 Acres
- Features: Beach Front, Waterfront
Details
- Additional structures: Guest House
- Parcel number: 44060230
- Other equipment: Generator
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Cape Cod,Two Story
- Property subtype: Single Family Residence
Materials
- Drywall, Other, Wood Siding
- Roof: Composition
Condition
- Resale
- New construction: No
- Year built: 1999
Utilities & green energy
- Sewer: Septic Tank
- Water: Well
Community & HOA
Community
- Subdivision: Harmony Hall Farm
HOA
- Has HOA: Yes
- HOA fee: $360 annually
Location
- Region: Heathsville
Financial & listing details
- Price per square foot: $527/sqft
- Tax assessed value: $555,000
- Annual tax amount: $4,107
- Date on market: 5/15/2026
- Ownership: Individuals
- Ownership type: Sole Proprietor
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
| Date | Event | Price |
|---|---|---|
| 5/16/2026 | Contingent | $1,349,000$527/sqft |
Source: Northern Neck AOR #120420 Report a problem | ||
| 5/14/2026 | Listed for sale | $1,349,000$527/sqft |
Source: Northern Neck AOR #120420 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $4,107 +12.1% | $555,000 |
| 2024 | $3,663 +8.2% | $555,000 |
| 2023 | $3,386 | $555,000 |
| 2022 | $3,386 | $555,000 |
| 2021 | $3,386 +3.4% | $555,000 |
| 2020 | $3,275 +0.4% | $555,000 +0.4% |
| 2019 | $3,262 | $552,800 |
| 2018 | -- | $552,800 |
| 2017 | -- | $552,800 -0.4% |
| 2016 | -- | $555,000 |
| 2015 | -- | $555,000 |
| 2014 | -- | $555,000 -13.3% |
| 2013 | -- | $639,900 |
| 2012 | -- | $639,900 |
| 2011 | -- | $639,900 |
| 2010 | -- | $639,900 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
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: 22473
Nearby schools
GreatSchools rating
- 5/10Northumberland Elementary SchoolGrades: PK-5Distance: 10.3 mi
- 4/10Northumberland Middle SchoolGrades: 6-8Distance: 10.5 mi
- 6/10Northumberland High SchoolGrades: 9-12Distance: 10.5 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.
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
- Virginia
- Northumberland County
- Heathsville
- 22473
- 1513 Harding Rd
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