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, Wicomico Church, VA 22579
4beds
2,558sqft
Est.:
Waterfront Residential
Built in 1999
2.27 Acres Lot
$-- Zestimate®
$527/sqft
$30/mo HOA
What's special
Tidal pondSand beachGreat dockPicture perfect point lotBeautifully landscaped groundsBay and wildlife viewsConditioned crawl space
- 6 hours |
- 80 |
- 5 |
Zillow last checked:
Listing updated:
Listed by:
Sandra Hargett,
Liz Moore & Associates, LLC
Source: Northern Neck AOR,MLS#: 120420
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
- Main level bedrooms: 2
Bedroom 1
- Level: Main
Bedroom 2
- Level: Main
Bedroom 3
- Level: Upper
Bedroom 4
- Level: Upper
Dining room
- Features: Eat-in Kitchen
Family room
- Level: Main
Kitchen
- Level: Main
Heating
- Electric, Forced Air, Heat Pump, Other
Cooling
- Ceiling Fan(s), Central Air, Electric, Heat Pump
Appliances
- Included: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Electric Water Heater
- Laundry: Washer/Dryer Hookup
Features
- 1st Floor Bedroom, Ceiling 9 Ft+, Fireplace
- Flooring: Hardwood, Pine, Tile
- Doors: Insulated Doors
- Windows: Double Pane Windows
- Basement: Crawl Space
- Number of fireplaces: 1
- Fireplace features: Gas Log, Living Room, One Fireplace
Interior area
- Total structure area: 2,558
- Total interior livable area: 2,558 sqft
Video & virtual tour
Property
Parking
- Parking features: Detached, Multi Car, Elec Garage Door Opener, Stone Driveway
- Has garage: Yes
- Has uncovered spaces: Yes
Features
- Levels: Two
- Patio & porch: Deck
- Exterior features: Other
- Has view: Yes
- View description: Bay, River/Creek View
- Has water view: Yes
- Water view: Bay,River/Creek View
- Waterfront features: Pier/Dock, Sand Beach, Water Access-Private
- Body of water: Chesapeake Bay
- Frontage length: 790
Lot
- Size: 2.27 Acres
- Features: 2-4.9 acres, Deeded Water Rights
Details
- Parcel number: 44 ((6)) 023
- Zoning description: R
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Cape Cod
- Property subtype: Waterfront Residential
Materials
- Sheetrock Walls, Other
- Roof: Composition
Condition
- Year built: 1999
Utilities & green energy
- Sewer: Septic Tank
- Water: Artesian
- Utilities for property: Cable Available
Community & HOA
Community
- Security: Security Lights, Smoke Detector(s)
- Subdivision: Harmony Hall Farm
HOA
- Has HOA: Yes
- HOA fee: $360 annually
Location
- Region: Wicomico Church
Financial & listing details
- Price per square foot: $527/sqft
- Date on market: 5/14/2026
- Listing terms: Cash,Conventional,1031 Exchange
- Road surface type: Paved
Sandra Hargett
(804) 436-3454
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Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
| Date | Event | Price |
|---|---|---|
| 5/14/2026 | Listed for sale | $1,349,000+82.3%$527/sqft |
Source: Northern Neck AOR #120420 Report a problem | ||
| 5/20/2016 | Sold | $740,000-9.2%$289/sqft |
Source: Chesapeake Bay & Rivers AOR #117709 Report a problem | ||
| 6/4/2015 | Listed for sale | $815,000$319/sqft |
Source: Coldwell Banker Chesapeake Bay Properties #97025 Report a problem | ||
Public tax history
Tax history is unavailable.
Monthly payment
Est. payment$--/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: 22579
Nearby schools
GreatSchools rating
- 5/10Northumberland Elementary SchoolGrades: PK-5Distance: 9.5 mi
- 4/10Northumberland Middle SchoolGrades: 6-8Distance: 9.7 mi
- 6/10Northumberland High SchoolGrades: 9-12Distance: 9.7 mi
- Virginia
- Northumberland County
- Heathsville
- 22579
- 1513 Harding Rd
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