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Owner finance

$599,000

36-13C Windmill Point Rd

White Stone, VA 22578

Listed by

Emily E. Carter, Jim & Pat Carter Real Estate · (804) 436-4949

What the listing says

Discover an extraordinary 6.5-acre waterfront peninsula near White Stone, on a protected cove just moments from the open Chesapeake Bay. Mature pines and hardwoods frame the property, creating a sense of arrival long before the water comes into view. The land unfolds as a private coastal retreat with a natural shoreline, tidal marshes, and a carefully positioned building site set well back from neighbors, capturing long vistas in every direction. Perhaps the most compelling feature is rare in this region: a deeded, private sand beach not shared with neighbors. On a natural spit of land, this exclusive amenity delivers intimate shoreline and a sense of seclusion that feels more like a coastal retreat than a typical river property. A newly constructed dock extends into the cove, ideal for watercraft of all sizes, offering a safe launch to the Bay while preserving the peace that defines waterfront living. With over 6.5 acres of shoreline, wetlands, and a separate beach parcel, wetland setbacks shape a thoughtfully sited homesite that invites architectural ambition whether a modern coastal retreat, classic Tidewater design, or a timeless shingle-style home. Though secluded, the property is close to White Stone, Irvington, and Kilmarnock, the Hub of the Northern Neck, with boutique shopping, dining, the Tides Inn, and the Steamboat Era Museum. Opportunities combining true seclusion, a private sandy beach, and a dock are increasingly rare along the Chesapeake Bay. For the buyer who values place, this is more than land it s the foundation for something exceptional. Owner financing available.

See the original listing ↗

This listing mentions owner financing. Terms are set by each seller and are negotiable. The description and numbers come from the listing and Zillow; confirm availability, the price and any financing with the seller or their agent.

Property Details

Property Type

Land

Lot Size

283,140 sq ft

HOA

None

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Questions about owner financing in White Stone

What is owner financing for 36-13C Windmill Point Rd?

Owner financing means the seller of 36-13C Windmill Point Rd acts as the lender. Instead of getting a mortgage from a bank, you make monthly payments directly to the property owner. The listing for this White Stone, VA home mentions owner financing; confirm it with the seller.

Do I need good credit for owner financing?

There's no bank approval, but each seller sets their own requirements. Some check credit, income or references; others don't. Ask the seller or their agent what they need.

How much is the down payment for this White Stone home?

There is no standard down payment. The seller of this White Stone home sets their own, and it is negotiable. Ask the seller or their agent.

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