1077 N Independence Drive Montross, VA $ 490,000
1077 N Independence Drive
$ 490,000
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1077 N Independence Drive

Montross, VA, 22520
$ 490,000
Bedrooms3 Baths2.0 Sq 1,981

Monthly Estimate*

$ 3,017

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Single Family Home for sale in Montross, VA

for $490,000 with 3 bedrooms and 2 full baths. This 1,981 square foot home was built in 2002 on a lot size of 1.49.

MOTIVATED SELLER... HUGE PRICE IMPROVEMENT! Elevated Potomac River Retreat | Turnkey & Fully Furnished Welcome to 1077 N Independence Dr, an elevated Potomac River retreat offering sweeping views, modern comfort, and exceptional flexibility as a personal escape or income-producing investment in Virginias Northern Neck. Perched high above the river on a natural bluff, this home enjoys commanding, unobstructed water views and added privacy, with elevation that enhances both scenery and long-term peace of mind. Rather than sitting directly at the waters edge, the setting provides a unique vantage pointdelivering dramatic sunsets, passing sailboats, and panoramic river scenery that remains protected and undisturbed. Inside, this 3-bedroom, 2-bath residence was completely reimagined in 2024 with a focus on smart use of space, functionality, and livability. The home was taken down to the studs, walls were reconfigured, and the kitchen and main-level bathroom were expanded to create a more open, usable layout that lives larger than expected. Every major component is brand newroof, flooring, appliances, fixtures, bathrooms, and finishes throughoutresulting in a home that feels fresh, modern, and turnkey. Large windows and seamless indooroutdoor flow bring the riverfront lifestyle front and center. Multiple porches, a sun deck, and a fire pit seating area significantly extend the living space outdoors, making the home ideal for entertaining, relaxing, or simply enjoying the views and river breezes. What Makes This Property Stand Out Elevated Bluff Setting: Dramatic, protected river views with added privacy and long-term vantage above the Potomac. Efficient & Thoughtful Design: Renovated to maximize function and flowperfect for buyers who value quality over excess square footage. Fully Furnished & Turnkey: Move right in or launch a short-term rental immediatelyfurnishings convey. IndoorOutdoor Living: Multiple outdoor living areas expand usable space and enhance the lifestyle experience. Community Amenities: Access to community beaches, marina, pool, clubhouse, and recreational facilities. Investor Appeal & Rental Demand The Northern Neck continues to see strong demand for waterfront and water-view Airbnbs, particularly fully furnished, low-maintenance homes within a few hours of Washington, D.C., Northern Virginia, and Fredericksburg. This propertys views, condition, and turnkey nature make it especially attractive for short-term rental buyers seeking solid performance without the burden of major renovations. Unmatched Value on the Potomac To truly appreciate the opportunity at 1077 N Independence Dr, consider the broader market context. Comparable riverfront or river-view properties along the Potomac in Northern Virginiaparticularly in areas like McLeanregularly command $2M+ price points, often with less dramatic views and far higher density. Here, youre getting elevated, unobstructed panoramic Potomac views, a fully renovated and furnished home, and a turnkey lifestyleall at a fraction of that cost. Simply put, this property delivers significantly more view, more privacy, and more lifestyle per dollar than nearly anything else on the river. Whether youre looking for a lock-and-leave second home, a stylish primary residence, or a high-demand short-term rental, 1077 N Independence Dr delivers an elevated river lifestyle that prioritizes views, experience, and simplicity... A value proposition that is exceptionally hard to replicate anywhere closer to D.C. Come see why this setting, design, and location make all the differencethis isnt about size, its about how it lives.

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Single Family Active

Price

$ 490,000

Bedrooms

3

Full Bath

2

Property Type

Single Family

Taxes

$ 1,740

Style

Colonial

Lot Size

1.49

Year Built

2002

Town/City

Montross

County/Region

Westmoreland

MLS | Web ID

VAWE2010350

Features
General
Living Area 1981
Sewer Gravity Sept Fld
Heating Central
Cooling Central A/C
Possession Immediate Negotiable Settlement 0-30 Days CD
Roof Shingle
Appliances Stainless Steel Appliances Dishwasher Dryer - Front Loading Dryer - Electric Microwave Oven - Self Cleaning Refrigerator Icemaker Stove Washer Water Heater
Zoning R1
HOA Fee 54.00
Association Fee Includes Common Area Maintenance Recreation Facility Road Maintenance Snow Removal
Patio/Porch Features Porch(es) Balcony
Architectural Style Colonial
Construction Materials Aluminum Siding Brick
School District WESTMORELAND COUNTY PUBLIC SCHOOLS
Year Built 2002
View Panoramic River Street Trees/Woods Water
Levels 2
Tax Year 2025
Ownership Fee Simple
Cool Fuel Electric
Waterfront Features Boat/Launch Ramp - Public
Accessibility Doors - Swing In
Additional Parcels Description This offering is for Lot 163 and Lot 164 together.
Assoc Fee Paid Per Monthly
County WESTMORELAND
New Construction N
Property Type Residential
Association Amenities Beach Boat Dock/Slip Basketball Courts Boat Ramp Club House Exercise Room Marina/Marina Club Non-Lake Recreational Area Pool - Outdoor Volleyball Courts Tot Lots/Playground Water/Lake Privileges Tenn
HOA Y
Subdivision Name INDEPENDENCE SHORES
Garage Y/N N
Water Access Y/N Y
Other Structures Above Grade Below Grade
Total Rooms 5
Full Baths 2
Status ACTIVE
Directions GPS - From Fairfax; Follow VA-123 S I-95 S and VA-3 E to VA-214 E in Westmoreland County. From DC; Follow I-395 S and I-95 S to Plank Rd in Fredericksburg. Take exit 130A from I-95 S. From Richmond;
City MONTROSS
Body of Water Potomac River
Association Name STRATFORD HARBOUR PROPERTY OWNERS ASSOCIATION
Senior Community Y/N N
Lot Size Units Square Feet
Lot Size Square Feet 64904.40
Tax Annual Amount 1740.0
Property Condition Very Good
Structure Type Detached
Condo/Coop Association fee Y/N N
Bathrooms Full Main Level 1
Bathrooms Count Main Level 1.00
Price Per Sq Ft Total AG 247.35
Acceptable Financing Cash Conventional FHA VA Negotiable
Additional Parcels Y/N Y
Historic Y/N N
Lease Considered Y/N N
Vacation Rental Y/N N
Location Type River
Standard Status Active
Year Built Source Assessor
Legal Subdivision INDEPENDENCE SHORES
Tax Lot 164
Association Recreation Fee N
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Interior
Interior Amenities Floor Plan - Open Recessed Lighting Attic Bathroom - Walk-In Shower Ceiling Fan(s) Family Room Off Kitchen Kitchen - Eat-In Kitchen - Island Wood Floors
Heating Fuel Electric
Hot Water Electric
Basement (Y/N) N
Heating Y/N Y
Window Features Sliding
Fireplace Y/N N
Above Grade Finished Area 1981
Half Baths 0
Central Air Y/N Y
Total Bedrooms 3
Below Grade Finished Area 0
Main Level Bedrooms 1
Below Grade Finished Area Unit Type Square Feet
Laundry Type Dryer In Unit Washer In Unit
Below Grade Finished Area Source Assessor
Above Grade Finished Area Source Estimated
Above Grade Finished Area Unit Type Square Feet
Total Baths 2
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Exterior
Pool No Pool
Parking Features Unpaved
Lot Features Front Yard Landscaping Open Partly Wooded Rear Yard SideYard(s)
Water Source Public
Type of Parking Driveway
Foundation Details Slab
Water View Y/N Y
Lot Size Acres 1.49
Water Body Type River
Lot Size Source Estimated
Waterfront Y/N Y
Water Access Features Fishing Allowed
Horse Y/N N
Land Assessed Value 31500.00
Navigable Water Y/N Y
Water Oriented Y/N Y
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Internal Only
Street Number 1 1077
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* Excluded Features
List By
Samson Properties

Broker

thrashproperties1@gmail.com

Email

Affordability Calculator

$3,162
Per Month
95%
5%
0%
Monthly Principal & Interest
$3,017
Monthly Property Taxes
$145
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.25% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
3534998 Elementary School
3536031 Middle School
Washington And Lee High School High School
Pricing History
DatePricePrice ChangeDescription
5/29/2026$490,000 -7.55% Price Down
4/12/2026$530,000 -1.85% Price Down
1/9/2026$540,000 Listed Price

Map


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1077 N Independence Drive, Montross, VA, 22520 is a Single Family Home for sale at $490,000 with 1,981 sqft and a lot size of 1.49. 1077 N Independence Drive has 3 bedrooms, 2.0 baths, and was built in 2002. The property's zip code is 22520 which is in Montross, VA