181 Cross St, Urbanna, VA 23175

First time offered! A Rare Waterfront Treasure in the Heart of Urbanna. Nestled seamlessly into the landscape, this picture-perfect brick home offers breathtaking views of the Rappahannock River and the serene beauty of Chesapeake Bay wildlife. Watch unforgettable sunrises each morning and enjoy ever-changing water vistas throughout the day. The main residence, with its two mirror-image levels, features 4 bedrooms and 4 ensuite baths, providing generous space for family, guests, or multi-generational living. Each level includes living rooms, a full kitchen and independent access, allowing for versatility and privacy. Thoughtfully designed for comfort, the home blends classic character and modern amenities to create relaxed riverfront living and seamless indoor-outdoor transitions. Wood flooring, refreshment bar, two gas fireplaces, custom built-ins, and multiple walk-in closets ensure ample storage and style throughout. Savor expansive views and the captivating sights of Urbanna Harbor from the full-width deck spanning the first level. The lower level opens onto a spacious patio and screened room, leading to the water’s edge and your private dock. A free-standing garage, complete with full bath and a welcoming porch overlooking the water, has played host to many lively oyster roasts and joyful gatherings. Above it, a private guest suite offers comfort and privacy for visitors—or income-generating potential. This meticulously maintained, all-brick home is just a short stroll to the charming Village of Urbanna close to shops, dining and marina amenities. Beautifully landscaped and nicely elevated, no flood insurance is required. No drive-bys or turn-arounds, please. Whether you're seeking a full-time haven or the riverfront retreat of your dreams, this cherished gem is the ideal waterfront escape.