Northern Neck Real Estate

Bay River Realty

Connecting People and Properties in Virginia's Bay River Region

Welcome! We are a rural real estate firm serving the Northern Neck and Middle Peninsula of Virginia. Our focus is helping people buy and sell homes and land that are unique to the area we serve. We enjoy a lifestyle that isn’t found just anywhere! Our clients are generally not searching for a specific zip code or school district, but rather a property that will enable them to enjoy a quality of life not found in cities and highly populated areas.

Search by Location

Click ON A COUNTY to find your home

One of the most sought-after property-types in our market are waterfront homes, which offer gorgeous water views and the opportunity to enjoy fishing, crabbing, boating, and water sports in your “back yard.” Homes and land with acreage is also a very popular property-type, especially with so many people wanting to hunt, grow their own fruits and vegetables, ride ATVs, and simply enjoy privacy and seclusion. We also sell historic homes, water-access and inland homes, as well as waterfront and inland building lots.

Regardless of the type of property you’re looking to buy or sell in our region, we would be happy to assist. We don’t work outside our area of expertise; we don’t try to do business in Richmond or Northern Virginia, or any other market – we want to specialize in our market only, and be able to provide our clients with the knowledge, skills, and local connections that “out-of-area” agents aren’t able to provide.

Let us help you with your upcoming real estate sale or purchase! We would be grateful for your business!

Curious what your home or land is worth?

Fill out the brief information form and we will be in touch to set up an appointment to visit your property and provide a custom evaluation.

Featured Listings

4318 Merry Point Rd, Lancaster

4318 Merry Point Rd, Lancaster

3 Beds ⋅ 2 Baths ⋅ 121209 MLS

Beautifully Updated Home With Incredible Views of John Creek and Unique Waterfront Amenities in a Stunning, Private Setting. Minutes from the Western Branch of the Corrotoman River, Merry Point Ferry & the Charming Coastal Town of Kilmarnock. Thoughtfully improved throughout, this home has over 2000 square feet of open, light-filled space. The main living areas feature high ceilings, open-concept living, walls of windows and offers access to the screened porch, rear deck, basement and the bedroom wing. From almost any room you are greeted with incredible elevated views of the water. The kitchen is a chef's dream with TWO Islands, custom cabinetry, granite counters and a cozy wood-burning stove. The size of the great room and its walls of glass and 2-story stone gas fireplace create the perfect spot to relax and enjoy the river. Down the bedroom hall you will find two generous guest rooms, a large guest bath and a spacious primary bedroom suite with glass doors out to a private deck and a gorgeous updated bath. The walk-out basement offers a fantastic rec room and tons of storage in both the main space and the full height, encapsulated extra basement area that acts as a conditioned crawl space. The waterfront is truly the showpiece of this home and features a newly conditioned 65-foot bulkhead area/sundeck/firepit, a tiki bar gazebo with power and a separate deck, a large floating dock, Jet-Ski ramp and kayak rack. A true waterfront playground for family and friends. Numerous recent improvements include new siding and paint throughout, updated flooring, renovated bathrooms, newly conditioned and stained decks and boardwalk to the water, upgraded drainage system and sump pumps, and river rock and landscaping along the foundation. With no HOA and the possibility of short-term rental use, this property offers flexibility as a full-time residence, weekend retreat, or investment opportunity in the Northern Neck. Turnkey and ready to enjoy just in time for the holidays.

4318 Merry Point Rd, Lancaster

571 Melrose Rd, Lottsburg

571 Melrose Rd, Lottsburg

3 Beds ⋅ 2 Baths ⋅ 121203 MLS

Discover the charm of Virginia's beautiful Northern Neck at your own waterfront retreat on 3.12 acres along the deep, protected waters of Lodge Creek, with direct access to the Potomac River! This charming 3-bedroom, 2-bath home offers the perfect blend of comfort, privacy, and waterfront living. Boating enthusiasts will love the deep water private pier, boat lift, and boathouse, while fishing and crabbing are right at your doorstep! The lanscaped grounds feature mature fruit trees, colorful blooming flowers, and a protected riprapped shoreline. Inside, enjoy hardwood floors, a cozy wood-burning fireplace in the living room, and a waterfront primary bedroom conveniently located on the main level. The kitchen features quartz countertops and propane cooking, while the spacious screened porch and waterside deck provide wonderful spaces to relax, entertain, and take in the peaceful water views. The walk-out basement offers a second fireplace and additional storage space. Other conveniences include a detached garage, storage shed, and generator hookup. Ideally situated in Virginia's beautiful Northern Neck near a local marina, this property is a true haven for boating, fishing, and nature lovers. Call today for details or to schedule a showing!

571 Melrose Rd, Lottsburg

767 Quiet Harbor Dr, Hague

767 Quiet Harbor Dr, Hague

3 Beds ⋅ 3 Baths ⋅ 121202 MLS

Experience waterfront living at its finest on desirable Machodoc Creek, a deep-water creek with direct access to the Potomac River! Beautifully situated on a picturesque point of land, this spacious 3 Bedroom, 3 Bath home offers breathtaking water views and a thoughtfully designed floor plan. The main level features formal living and dining rooms, a waterside great room with gas fireplace, and a waterfront primary suite complete with walk-in closet and private bath. A utility room and full guest bath complete the first floor.Upstairs, enjoy a spacious waterside bonus room with private balcony, ideal for a fourth bedroom, family room, or office, along with two guest bedrooms, full bath, and loft area. Additional features include a protected stone shoreline, fenced area for pets, oversized detached garage, waterside deck, generator, and welcoming front porch. Whether you're seeking a year-round residence or weekend getaway, this exceptional property offers the perfect blend of comfort, privacy, and waterfront charm. Conveniently located near local restaurants, wineries, and marinas. Don't miss your opportunity to experience the beauty of Northern Neck waterfront living. Schedule your private showing today and make this waterfront retreat your own!

767 Quiet Harbor Dr, Hague

1314 Indiantown Rd, Weems

1314 Indiantown Rd, Weems

3 Beds ⋅ 3 Baths ⋅ 121191 MLS

Set along the tranquil waterfront of the Corrotoman River just off the Rappahannock River and nestled directly on the water, this exceptional transitional-style home perfectly balances ideal setting with bright, light spaces. Custom built to blend classic coastal charm meets sophisticated modern design, this residence boasts signature soaring ceilings, dramatic geometric windows, & expansive open-concept living—all positioned to maximize breathtaking water views & sunsets. Designed to maximize its prime coastal location, the home features 3 Bedrooms and 3 Full Bathrooms and towering walls of windows that flood the open-concept layout with natural light and offer sweeping, unobstructed panoramic water views while boasting wrap-around deck that delivers ease of indoor to outdoor living. Welcome to the sun-drenched interiors with coastal charm entry that opens into a light-filled Great Room with floor-to-ceiling windows, gas log fireplace with built-in cabinetry surround and endless water views. Waterside Dining Room and Chef's Kitchen with stainless appliances and utility/laundry room with ample built-in cabinetry. Relax in the waterfront Den with deck access plus guest Bedroom with hall bathroom complete the main level. Upper level boasts Loft providing extraordinary water views for your reading nook and office area. Waterside primary Bedroom is a private sanctuary complete with boutique-style walk-in closet, spacious bath with spa-like soaking tub & shower. Another water view Bedroom with hall bathroom and waterfront Study/Office will have you feeling like you're working on the water. Venture waterside, to the spacious tiered wrap-around deck with several seating areas and steps to water and sand beach. Combining the best of traditional charm and contemporary openness, this waterfront property is all about location, location, location. Say hello to this coastal gem & wake up to a world of breathtaking River views and endless sunsets.

1314 Indiantown Rd, Weems

232 Oyster Creek Dr, White Stone

232 Oyster Creek Dr, White Stone

3 Beds ⋅ 2 Baths ⋅ 121188 MLS

CHESAPEAKE VIEWS & WATER FRONTAGE ON LITTLE BAY! Just completed, this TOTAL RENOVATION has a personality all its own. Located on Windmill Point, “Blue Oyster Cottage” is just steps from your own waterfront on Little Bay, w/ potential for YOUR OWN DOCK Water views from most rooms, inviting gathering spaces +quality finishes throughout make this property an appealing waterfront retreat or an EXCELLENT VRBO/short-term rental opportunity. Welcoming front porch and etched-glass entry open to a spacious living room with corner FP and custom surround. The floor plan flows into a gorgeous kitchen featuring stainless appliances, gas range + stainless hood, nautical pendant lighting, butcher-block counters & quartz-topped island, Shaker -style cabinetry, open shelving and a distinctive tile backsplash with custom mosaic details. A separate dining room provides space for gathering with family and friends. 2 BRs & Full bath are located on1st floor w/ lovely bath w/ patterned tile floor, custom cabinetry and quartz vanity top. Upstairs, the spacious 15.5' x 20' primary suite captures wide water views and features an ensuite bath with walk-in tiled shower, double vanity and quartz countertops. A 25-foot, four-season sun porch offers another inviting place to relax. Additional details include wood flooring on the first level, designer lighting, built-in niches and original exposed brick that add warmth and farmhouse character. Attic storage with plenty of head room. Major improvements include all-new windows; Pella in home and Andersen on sun porch, HardiePlank siding, raised-seam metal roof, & Trane heat pump. 4 lots are in the offering with 2 on the water. Newly completed public beach/park and pier at Windmill Point just down the road. Move-in ready & completely renovated, this distinctive farmhouse brings together the charm of a beautifully updated home, VRBO potential, Little Bay waterfront &sweeping views of the Chesapeake Bay—all in the desirable Windmill Point location.

232 Oyster Creek Dr, White Stone

218 Fleeton Point Cir, Reedville

218 Fleeton Point Cir, Reedville

3 Beds ⋅ 3 Baths ⋅ 121187 MLS

Expansive waterfront views across Cockrells Creek and the Wicomico River, just off the Chesapeake Bay! Set on a waterfront point in Reedville, 218 Fleeton Point Circle offers incredible views, timeless character, and the opportunity to bring new life to a gracious home dating to 1902. Note: Not in a flood zone! A broad wraparound porch with a screened side section invites you to relax, catch the breeze, and enjoy the waterfront setting. Inside, high ceilings, hardwood floors, and generously sized rooms create a welcoming atmosphere. A spacious foyer, living room, dining room, and separate family room offer plenty of space for gathering, while the lovely kitchen provides convenient access to the back porch. Upstairs, hardwood floors continue throughout, with wonderful natural light and water views from the home's point setting. The primary bedroom features an ensuite bathroom, complemented by two guest bedrooms and a study. A staircase leads to the third-floor attic, offering exciting potential for additional finished space, subject to applicable approvals. Enjoy the charming waterfront village of Reedville, where beautiful waterfront homes line Main Street and community parades bring the warmth and charm of yesteryear to life. Waterfront restaurants and marinas are nearby, with Burgess approximately 10 minutes away. With its classic hipped roof, dormers, and inviting porches, this home captures the charm of early-1900s coastal living. Bring your vision, revive its beautiful character, and make this special waterfront property your own. Back on the market - no fault of the home. Now is your second chance to grab this piece of history and keep it in your family! Note: Deed shows a small water access on Cockrells Creek.

218 Fleeton Point Cir, Reedville

293 Gordon Rd, Kinsale

293 Gordon Rd, Kinsale

3 Beds ⋅ 2 Baths ⋅ 121184 MLS

YOUR PEACEFUL RETREAT ON BONUM CREEK AWAITS! Charming fully furnished 1576 sq ft cedar-sided ranch features three bedrooms, two full baths and resides on a private 2.5 acre* lot. This move-in ready home checks all the boxes for outdoor & waterfront living. A new Trex front deck welcomes you to an inviting center vaulted living area with an abundance of natural light and graceful views of the water and is adjoined by a spacious open dining area with handsome hardwood floors throughout. The galley kitchen sports newly painted cabinetry, convenient open shelving and double pantries. The primary bedroom features an en suite bath and new sliding doors to the deck and relaxing hot tub, which graciously conveys. The guest bedroom offers spectacular water views and sliding door deck access, and a third bedroom makes for another spacious bedroom or office space. Outside you'll be delighted by the new tiered Trex deck overlooking a fire pit area and 15' above ground pool. The nearby outdoor shower completes your resort-style experience. A detached utility building and storage shed conveniently house tools and lawn, pool and outdoor recreation equipment. Take the Trex stairs and path to your 70' pier w/jet ski dock & freshwater faucet, 9000 lb capacity boat lift and 20'x13' floating pier. Extensive recent updates & enhancements include the impressive standing seam Galvalume metal roof, sliding doors, gutter guard system, newer Carrier heat pump, stunning Trex decking, washer/dryer set and new auto close vents in the crawl space. Work seamlessly from your river retreat with All Points Broadband high-speed fiber internet connectivity. Serene and navigable Bonum Creek Water Trail offers a breathtaking 3-mile scenic wildlife ride filled with eagles, herons and otters on its blissful way to the Potomac. Enjoy all that the Nothern Neck has to offer in a quiet established waterfront neighborhood, minutes from Sandy Point and the quaint village of Kinsale.

293 Gordon Rd, Kinsale

53 Sunny Point Dr, Heathsville

53 Sunny Point Dr, Heathsville

4 Beds ⋅ 3 Baths ⋅ 121182 MLS

Explore this rare waterfront retreat, perfectly situated on 3.34 secluded acres along the picturesque shores of Spences Creek. A Cape style four-bedroom, two-and-a-half-bath home delivers an exceptional blend of custom craftsmanship and natural beauty that genuinely rewards every visit. Inside, 2,694 sq.ft. of well-designed living space showcases attractive details throughout. Wood Floors, built-in bookcases and a cozy fireplace creates an open and inviting atmosphere. A Waterside Sunroom lends a sense of warmth and character, while the Bright Open Kitchen is equipped to handle all family/friend gatherings. Expansive windows flood the interior with natural light. The outdoor setting is equally impressive with highlights such as: Almost 1,000 sq ft stone patio with seating, incredibly striking flower gardens, manicured mature trees & a park-like setting. An easy stroll to the pier that offers direct access to deep, protected waters capable of accommodating most boat sizes. Other Great Highlights : Large 1st floor primary suite, ample storage with 5 walk-in closets throughout, 507 sq ft garage and a detached workshop. Whether you enjoy fishing at dawn or watching golden light settle over the water at dusk, this property sets the scene beautifully. The harbor connects to the highly sought-after Little Wicomico River which flows into the Chesapeake Bay, opening the door to marinas, waterfront dining, outstanding fishing, crabbing, and oystering. Opportunities like this seldom present themselves. Experience This Hidden Gem for yourself!

53 Sunny Point Dr, Heathsville

586 Riverside Dr Unit 586, Lancaster

586 Riverside Dr Unit 586, Lancaster

3 Beds ⋅ 3 Baths ⋅ 121180 MLS

Welcome to 586 Riverside Drive on the beautiful Rappahannock River! Enjoy waterfront living at its finest in this beautifully maintained 3-bedroom, 2.5-bath townhome featuring stunning river views from every window! The inviting great room features a gas log fireplace, crown molding, chair railing, and recessed lighting. The spacious kitchen offers granite countertops, stainless steel appliances, a gas stove, center island, and pantry. Step outside onto the ceramic tile patio featuring a 20-foot motorized retractable awning, privacy wall, and gorgeous waterfront views. Enjoy morning sunrises and evening sunsets! The shoreline is protected by riprap, and the property is NOT located in a flood zone! Upstairs, the primary suite features a tray ceiling, two closets, and a private bath with double vanity, garden tub, and separate shower. Two additional bedrooms share a Jack-and-Jill full bath, with a conveniently located laundry closet nearby. Additional features include a utility room and attached one-car garage with epoxy flooring and cabinetry. Boating enthusiasts will love the deeded boat slip with a remote-controlled boat lift! The dock was replaced in 2026 with new pilings and stringers. Enjoy the convenience of HOA amenities that include a community pool and poolhouse, private beach access, boat trailer parking, exterior, lawn and shrub maintenance, and community water and sewer. Sloop Pointe is a friendly, golf cart community with neighborhood social events and a relaxed river lifestyle. Spend your days boating, fishing, watching dolphins from your very own backyard, or gathering around the fire pit under the stars. Whether you're looking for a full-time residence or weekend getaway, this is your opportunity to enjoy the best of life on the Rappahannock River!

586 Riverside Dr Unit 586, Lancaster

244 Reason View Ln, Reedville

244 Reason View Ln, Reedville

3 Beds ⋅ 4 Baths ⋅ 121178 MLS

Your morning starts with coffee by the water, a fishing rod within reach, and the Chesapeake Bay in view, just a short boat ride away. This property brings the Northern Neck waterfront lifestyle home. Positioned along the safe harbor of Little Creek with views across the Great Wicomico River flowing into the Bay, just two nautical miles from your private dock with approximately 4 feet MLW, this retreat offers a perspective that changes with the light and invites you to slow down, relax and enjoy life. Spend your days fishing, exploring nearby creeks and beaches, or cruising the river and Bay. Watch boats pass, linger over meals on the waterside deck, or trade your shoes for bare feet and let the day unfold. The home's close-to-the-water setting makes the shoreline feel like an extension of your living space. Inside, the open living area keeps conversation flowing, while the step-up loft draws your attention back to the water. Picture a reading nook, a second gathering area, or a place to spread out after a day outdoors. The main home's two-bedroom layout is only part of the story, with additional spaces offering flexibility for the way you live, relax, and welcome company. Separate heated and cooled bedroom above detached garage includes a full bath and more water views, creating a comfortable retreat for visitors or a quiet place to get away. Together, the main home, loft, and separate guest area offer room for shared time together while allowing everyone a little space of their own. With a new septic, artesian well and roof, there is more to love than just the views! Spend the morning on the Bay, enjoy lunch on the deck, and have time for a river sunset cruise. From quick escapes to longer stays, this property puts the water at the center of the experience. From waterfront adventures to small town charm, there is plenty to enjoy by boat or car. Contact listing agents for details on additional features and extras not shown in the description.

244 Reason View Ln, Reedville

00 Creekwater Dr, Lancaster

00 Creekwater Dr, Lancaster

2 Beds ⋅ 2 Baths ⋅ 121176 MLS

TO-BE-BUILT on desirable Lawsons Island. LegaSea Construction will build this charming raised coastal home on 2.33 acres along Whitehouse Creek, just off the Corrotoman River in Lancaster County. It sits in a quiet neighborhood with supreme water views. Inside, 1,600 sq ft of open, single-level living under 9-ft ceilings feels bright and welcoming, and the kitchen island makes a natural gathering spot. The primary suite is on the main living level, with two full baths and a flexible office that can easily become a third bedroom. Relax on the front porch or the screened back porch. A drive-under garage fits two cars plus your boat and kayaks, and the elevator brings you straight up to your living space. Main-level laundry and plenty of storage make everyday life easy. Reach out today and let's talk about building your new home. Photos are renderings for illustration purposes only. Final product and price to be determined at closing.

00 Creekwater Dr, Lancaster

405 Courtney Ln, Callao

405 Courtney Ln, Callao

4 Beds ⋅ 4 Baths ⋅ 121175 MLS

Enjoy the beauty of Virginia's Northern Neck with scenic views of Mill Creek and the Yeocomico River! Set on 2.1 acres, this spacious 4-bedroom, 4-bath home offers approximately 3,296 square feet of living space, a versatile floor plan, and room to spread out both indoors and out. The home features two separate living areas and two primary bedroom suites, offering flexibility for a variety of living arrangements. The main portion of the home includes a primary suite and two additional bedrooms, while the expanded living area features an upstairs primary suite of its own. A generously sized dining room provides the perfect setting for family gatherings, holiday meals, and entertaining friends. Outside, enjoy the expansive lawn, peaceful surroundings, and beautiful water views that make this property so special. With four garage spaces, ample outdoor room, and the charm of the Northern Neck, this property offers an appealing combination of space, versatility, and scenic surroundings. Discover the possibilities and make this unique property your own!

405 Courtney Ln, Callao

26 Oyster Road Unit 24, Urbanna

26 Oyster Road Unit 24, Urbanna

1 Beds ⋅ 2 Baths ⋅ 121174 MLS

Enjoy low-maintenance waterfront living from this beautifully appointed 1-bedroom, 1.5-bath condo overlooking scenic Urbanna Creek. Built in 2012, this second-floor, elevator-accessible unit features an open living and dining area with wood flooring and a well-equipped kitchen. The light-filled sunroom offers stunning panoramic views of Urbanna Creek, creating the perfect place to relax and watch the boats go by. The waterside primary suite features luxury vinyl flooring, a walk-in closet with custom built-in shelving, and an ensuite bath. Included with the property is a deeded 40-foot boat slip (Slip #1) with approximately 9+ feet of mean low water, making it ideal for larger vessels and boating enthusiasts. Additional amenities include a dedicated lower-level storage locker (#8) and access to the community's waterfront swimming pool. A rare opportunity to enjoy the best of waterfront living with boating access, exceptional views, and easy access to everything charming downtown Urbanna has to offer.

26 Oyster Road Unit 24, Urbanna

1052 Knights Landing Dr, Heathsville

1052 Knights Landing Dr, Heathsville

4 Beds ⋅ 4 Baths ⋅ 121172 MLS

Discover Your Waterfront Retreat - a place where life feels more peaceful, privacy comes naturally, and there's room for everything you love. As you arrive, you'll appreciate the pristine setting and sense of space. Step inside and discover easy single-level living, beautiful hardwood floors, stunning natural views, and a covered deck perfect for morning coffee or unwinding at the end of the day. The large kitchen blends beauty and thoughtful design with new quartzite countertops and abundant pull-out storage. If you enjoy cooking, this is for you! Outside, enjoy the beautifully landscaped grounds, featuring raised garden beds, ornamental cherry trees, pomegranate, flowering shrubs, and colorful perennials—even along the hillside overlooking the heated in-ground saltwater pool. Picture a refreshing swim on a warm summer afternoon, dinner beside the pool, or a cozy evening around the firepit with peaceful water views. When adventure calls, launch your kayak or take your trailered boat to the community landing for a day on the Great Wicomico River and the Chesapeake Bay. Back inside, the entry level offers an owner's suite with a convenient laundry closet and two additional bedrooms, one currently serving as an office. The lower level, with radiant floor heating, offers even more: an additional bedroom, living area with fireplace, efficiency kitchen, second laundry area, and flexible space for games, crafts, hobbies, or overnight guests. Everyone can enjoy room to spread out. Garage Space: the attached garage keeps everyday convenient. The huge detached three-car garage, complete with a mini-split system, offers room for vehicles, recreational toys, collectibles, a workshop, or your favorite hobbies. Here, comfortable living, beautiful outdoor spaces, waterside tranquility, and room for all your interests come together in one special property. Come for the waterfront setting. Stay for the privacy, the possibilities, and the pleasure of living life your way.

1052 Knights Landing Dr, Heathsville

30 Lookout Ln, Cobbs Creek

30 Lookout Ln, Cobbs Creek

5 Beds ⋅ 5 Baths ⋅ 121167 MLS

Exceptional waterfront retreat offers the perfect family compound. Expansive views, deep water boathouse (+/- 7' MLW) with extra slips, sand beach and 2 1/2 acres. The main home consists of 5 bedrooms and 4 1/2 baths, large great room with lots of glass to take in the majestic water views, multiple indoor and outdoor gathering places offer endless opportunities to relax or entertain. Two guest quarters with each having one (possibly 2) bedrooms, bath, kitchen, living area, washer/dryer, very nice river views and a screened breezeway between them. Additional features are a 3 bay garage with large game room above including a kitchenette and 1/2 bath, a 3 bay utility garage for carts, ATV's plus lots of storage. Crab shack and covered boat shed by the shore. Property is being sold mostly furnished.

30 Lookout Ln, Cobbs Creek

Start Your Search

How much is your home worth?

Get instant property value now!