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Julie Smart Koob
REALTOR®, GRI
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403 Lake Francis Lane , Lottsburg, VA 22511

$445,000
  • 403 Lake Francis Lane , Lottsburg, VA 22511 Main Photo

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Julie Smart Koob
Call: (804) 836-6874

Active
BEDS3 BATHS2 full SQUARE FEET1,596 MLS#202600150
STATUSActive PROPERTY TYPEResidential - Single Family

Property Description

This charming waterfront home on Kingscote Creek offers a true cottage style and feel that invites you to slow down and take in the beautiful, wide water views extending into the Potomac River. Perfectly sized for low-maintenance, the home and property let you embrace the river lifestyle without constant upkeep. The three-bedroom layout features two full baths, providing comfortable accommodations for family and guests.The bright kitchen features a new refrigerator, quartz countertops, a pantry, low-maintenance luxury plank flooring and bar seating where everyone gathers. The spacious family room with wood floors and a fireplace creates a warm, inviting place to unwind after a day on the water and opens into the sunroom, allowing the living spaces to flow toward the waterfront. A favorite spot in the home, the sunroom is filled with windows and doors that frame peaceful creek views, a perfect place for morning coffee, family meals, and quiet evenings.From there, step directly onto the expansive waterfront deck. With plenty of outdoor living and entertaining space, room for both dining and lounging, and beautiful open views of the creek, the deck is an extension of the home. The flat, open yard provides additional space for family fun, lawn games, and relaxed afternoons by the water, all while watching sunsets that never get old.An easy walk leads to the dock with boat lift, offering protected creek frontage. A bulkhead protects the shoreline, while the dock invites fishing, crabbing, oyster harvesting, or simply sitting and watching boats pass by. After a day on the water, rinse off in the outdoor shower and settle back into relaxed creekside living.With no HOA restrictions, this property also offers excellent potential as a short-term or long-term rental investment. Whether youre looking for a weekend escape or investment opportunity, this Kingscote Creek home captures the timeless appeal of waterfront living.

Property Features

Property Type: Residential - Single Family
Basement: Crawl Space
Cooling: Heat Pump
Fireplaces: 1
Heating: Baseboard, Electric, Heat Pump
Home Style: Bungalow, Cottage
Lot Size: 0.51 Acres
Roof Type: Composition
Stories: 1.0
Taxes: $1,922
Year Built: 1950

Amenities

Bedroom on Main Level
Ceiling Fan(s)
Dining Area
Eat-in Kitchen
Fireplace
Granite Counters
Kitchen Island
Pantry
Boat Lift
Deck
Dock
Storage
Shed
Unpaved Driveway

Feature Descriptions

Appliances: Dryer, Electric Cooking, Electric Water Heater, Microwave, Range, Refrigerator, Washer
Body of Water: Kingscote Creek
Community Features: Bulkhead
Days on Site: 25
Exterior: Block, Mixed
Fencing: None
Fireplace: Wood Burning
Flooring: Linoleum, Partially Carpeted
Lot: Cleared, Waterfront, Level
Parcel#: 4-B-11-0-1-0
Parking: Driveway, Unpaved
Parking Notes: Driveway, Unpaved
Patio/Porch: Rear Porch, Deck
Sewer: Engineered Septic
Topography: Level
Water: Well
Water Features: Creek, Dock Access, Mooring, Navigable Water, Bulkhead, Boat Ramp/Lift Access, Waterfront

Local Schools

High School: Northumberland
Middle School: Northumberland
Elementary School: Northumberland

Listed By / Shown By

Listed By

Agency Name: Isabell K. Horsley Real Estate
Agency Phone: (804) 776-9297

Shown By

Agent Name: Julie Smart Koob
Agent Phone: (804) 836-6874
Agency Title: Napier Realtors ERA

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Estimate Your Payment

Estimated Payment

$ 1,280.34 per month $990.38 Principal & Interest $160.17 Property Tax $129.79 Homeowner's Insurance

Change Payment Information

%
years/fixed
yearly
yearly (est.)
(Payments are an estimate and may vary by lender)
Movement Mortgage
Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 03/12/2026. The listing information on this page last changed on 03/12/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Thu 03/12/2026 4:55:43 PM EST) or CAAR MLS (last updated Thu 03/12/2026 6:37:16 AM EST) or CVRMLS (last updated Thu 03/12/2026 4:54:13 PM EST) or Williamsburg MLS (last updated Thu 03/12/2026 2:55:03 PM EST) or NNAR MLS (last updated Thu 03/12/2026 4:27:20 PM EST) or Chesapeake Bay & Rivers (last updated Thu 03/12/2026 4:50:33 PM EST). Real estate listings held by brokerage firms other than Napier Realtors ERA may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.

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