South Hill Banks is a waterfront community in Essex County featuring a wide community sand beach with pier and boat ramp on the Rappahannock. 430 Pine Tree Road offers wonderful views of the River from the deck, family room or around the fire pit. The home features 3 bedrooms and two full baths as well as a large family room opening to the kitchen. There have been numerous renovations and upgrades including a new moisture barrier and dehumidifier in the crawl space (6-25), new roof (2023), HVAC (2025), water heater (2023). The property includes a shed with water and power and a second storage building/garage. Conveniently located only 50 minutes from Richmond, 20 minutes from Tappahannock or Urbanna and 10 minutes from Garrett's Marina.
The county taxes the home as a 2 bedroom home but, the Health Department has it permitted for 3 bedrooms. The Community Association has a voluntary $125/year fee to cover up keep of the roads, pavilion, boat ramp and insurance. Move in Ready for the Summer.
Pending
$445,000
430 Pine Tree Rd, Center Cross, VA 22437
3beds
1,400sqft
Est.:
Single Family Residence
Built in 1968
0.26 Acres Lot
$433,200 Zestimate®
$318/sqft
$-- HOA
What's special
- 40 days |
- 319 |
- 18 |
Zillow last checked:
Listing updated:
Listed by:
Jeff Brooks 804-445-1395,
Hometown Realty
Source: CVRMLS,MLS#: 2607347
Originating MLS: Central Virginia Regional MLS
Originating MLS: Central Virginia Regional MLSFacts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Other
- Description: Tub & Shower
- Level: First
Heating
- Electric, Heat Pump, Propane
Cooling
- Central Air
Appliances
- Included: Washer/Dryer Stacked, Dishwasher, Electric Cooking, Electric Water Heater, Microwave, Refrigerator, Smooth Cooktop
- Laundry: Washer Hookup, Dryer Hookup, Stacked
Features
- Bedroom on Main Level, Ceiling Fan(s), Dining Area, Eat-in Kitchen, Laminate Counters, Bath in Primary Bedroom, Main Level Primary
- Flooring: Carpet, Laminate, Wood
- Doors: Insulated Doors
- Windows: Thermal Windows
- Basement: Crawl Space
- Attic: Access Only
- Has fireplace: No
Interior area
- Total interior livable area: 1,400 sqft
- Finished area above ground: 1,400
- Finished area below ground: 0
Video & virtual tour
Property
Parking
- Parking features: No Garage, Off Street
Features
- Levels: One
- Stories: 1
- Patio & porch: Side Porch, Deck
- Exterior features: Deck, Storage, Shed
- Pool features: None
- Fencing: None
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- Waterfront features: River Front, Water Access, Walk to Water
- Body of water: Rappahannock Rivver
- Frontage length: 0.0000,0.0000
Lot
- Size: 0.26 Acres
- Dimensions: 130' x 100'
- Features: Level
- Topography: Level
Details
- Additional structures: Shed(s), Utility Building(s)
- Parcel number: 54A572
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Block, Drywall, Frame, Vinyl Siding
- Roof: Composition
Condition
- Resale
- New construction: No
- Year built: 1968
Utilities & green energy
- Sewer: Septic Tank
- Water: Community/Coop, Shared Well
Community & HOA
Community
- Features: Beach, Boat Facilities, Dock
- Subdivision: South Hill Banks
HOA
- Has HOA: Yes
- Services included: Road Maintenance, Water Access
Location
- Region: Center Cross
Financial & listing details
- Price per square foot: $318/sqft
- Tax assessed value: $178,900
- Annual tax amount: $983
- Date on market: 3/24/2026
- Ownership: Individuals
- Ownership type: Sole Proprietor
Estimated market value
$433,200
$412,000 - $455,000
$1,768/mo
Price history
| Date | Event | Price |
|---|---|---|
| 4/23/2026 | Pending sale | $445,000$318/sqft |
Source:  CVRMLS #2607347 Report a problem | ||
| 3/25/2026 | Listed for sale | $445,000-0.7%$318/sqft |
Source: CVRMLS #2607347 Report a problem | ||
| 10/1/2025 | Listing removed | $448,000$320/sqft |
Source: Northern Neck AOR #119038 Report a problem | ||
| 6/27/2025 | Listed for sale | $448,000$320/sqft |
Source: Chesapeake Bay & Rivers AOR #2517780 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $984 -13.5% | $178,900 +14.8% |
| 2024 | $1,137 | $155,788 |
| 2023 | $1,137 | $155,788 |
| 2022 | $1,137 -1.4% | $155,788 |
| 2021 | $1,153 +25.5% | $155,788 +45.9% |
| 2020 | $918 | $106,800 |
| 2018 | -- | $106,800 |
| 2017 | -- | -- |
| 2016 | -- | -- |
| 2015 | -- | -- |
| 2014 | -- | -- |
| 2013 | -- | -- |
| 2012 | -- | -- |
| 2011 | -- | -- |
| 2010 | -- | -- |
Find assessor info on the county website
Monthly payment
Est. payment
$2,387/mo
Principal & interest
$2176
Property taxes
$211
More affordability tools
Climate risks
Neighborhood: 22437
Nearby schools
GreatSchools rating
- 3/10Essex Intermediate SchoolGrades: 4-7Distance: 11.6 mi
- 7/10Essex High SchoolGrades: 8-12Distance: 11.8 mi
- 4/10Tappahannock Elementary SchoolGrades: PK-3Distance: 11.7 mi
Schools provided by the listing agent
- Elementary: Tappahannock
- Middle: Essex
- High: Essex
Source: CVRMLS. 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
- Essex County
- Center Cross
- 22437
- 430 Pine Tree Rd
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