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221 Little Oyster Lane

White Stone, VA 22578

2 beds
2 baths
1,152 sqft
7 sqft lot
$546 per sqft
2020 build
– on site

On the market for the first time, this turnkey vacation rental offers as much proven income generation as it does charm and style. Situated on over 7 acres of delightfully dense old growth trees, idyllic reeds, and serene water frontage on Little Oyster Creek, which sits perfectly between (and is navigable to) the Rappahannock River and Chesapeake Bay. Enjoy gorgeous views from the 110' dock with kayaks and rack attached. Although other docks and houses are visible, the privacy is apparent from your own tucked away cove. The lot extends far past the end of the dock, so extension is possible to reach boat-depth water, or keep as it is for kayak access to nearby white sand beaches and endless nature/wildlife. Overlooking the dock is "The Treehouse", a cozy retreat with loft, wood stove, electric (pre-wired for mini-split) and water views. The main cottage features two sunny bedrooms, one with a private balcony, two full baths, a spacious loft with spiral stairs, a stunning and efficient kitchen featuring open shelving, quartz counters, a working 1950 Kalamazoo vintage stove, Smeg fridge, dishwasher and microwave. The great room has a wall of windows looking out on the gorgeous woods and huge wraparound deck. The two car garage below offers great rec space for ping pong, or relaxing with the door open and enjoying the privacy and outdoors under cover. Features include Tankless Water Heater, EV Charger, High End Finishes, Bamboo Floors, Built-in Bookshelves, Andersen Windows, Deep Well, and much more! All just a short (beautiful) drive to the towns of White Stone, Irvington, Kilmarnock and the endless leisure, dining, adventure, shopping, parks, and attractions The Northern Neck is famous for. List Price includes all furnishings except a couple sentimental art pieces. Gross rental income is over $60k annually making this one of the best investments on the market in recent memory. Don't wait for a better opportunity, there may not be one! House sits outside the AE Floodplain so Flood Insurance is NOT required!

Listing courtesy of CVRMLS / MSE Properties

Last checked: Checking… • Last updated Apr 20, 2025 •

MLS# 2508349 —

The Building

Year Built:

2020
Year Built Details:

Actual
New Construction:

false
Construction Materials:

Drywall,Frame,HardiplankType
Architectural Style:

AFrame,Contemporary
Roof:

Composition
Foundation Details:

Slab
Exterior Features:

Deck,Dock,OutBuildings
Stories Total:

2
Levels:

TwoAndOneHalf
Basement:

false
Patio And Porch Features:

RearPorch,FrontPorch,Deck
Security Features:

SmokeDetectors
Building Area Source:

Assessor

Interior

Interior Features:

Bookcases,BuiltInFeatures,Balcony,CeilingFans,CathedralCeilings,DiningArea,Fireplace,GraniteCounters,HighCeilings,Loft,RecessedLighting
Flooring:

Bamboo,Concrete,Tile
Rooms Total:

5
Fireplace:

true
Fireplace Features:

Gas
Fireplaces Total:

2

Room Dimensions

Living Area:

1152.0
Living Area Source:

Assessor

Financial & Terms

Possession:

CloseOfEscrow

The Property

Parcel Number:

36A-1-16
Property Type:

Residential
Property Subtype:

SingleFamilyResidence
Property Subtype Additional:

SingleFamilyResidence
Property Condition:

Resale
Property Attached:

false
Lot Features:

Wooded,Waterfront
Lot Size Acres:

7.385
Lot Size Area:

7.385
Lot Size Units:

Acres
Zoning Description:

A1
Fencing:

None
Other Structures:

Cabin,Outbuilding
Waterfront:

true
Waterfront Features:

Creek,DockAccess,Mooring,Waterfront
Water Body Name:

Little Oyster Creek

Listing Agent

Contact info:

Taxes

Tax Year:

2024
Tax Lot:

16A
Tax Annual Amount:

2428.25
Tax Assessed Value:

441500
Tax Legal Description:

ISLAND 7.385 AC SUBMERGED LAND .633 AC LR18/1831 LR04/3531-P PC7/79C

Beds

Bedrooms Total:

2

Baths

Total Baths:

2
Full Baths:

2

Heating & Cooling

Cooling:

CentralAir
Cooling:

true
Heating:

Electric,HeatPump,Wood
Heating:

true

Utilities

Sewer:

EngineeredSeptic
Electric:

GeneratorHookup
Water Source:

Well

Appliances

Appliances:

Dryer,Dishwasher,ExhaustFan,ElectricCooking,Microwave,PropaneWaterHeater,Refrigerator,Stove,TanklessWaterHeater,Washer

Schools

Elementary School:

Lancaster
Middle Or Junior School:

Lancaster
High School:

Lancaster

The Community

Subdivision Name:

None
Association:

true
Pool Features:

None

Parking

Garage:

true
Attached Garage:

true
Garage Spaces:

2.0
Parking Features:

Attached,Garage,GarageDoorOpener,OffStreet,ElectricVehicleChargingStations

Monthly cost estimate

Asking price

$629,000

Expense	Monthly cost
Mortgage	$3,368
Taxes	$202
Insurance	$172
Utilities	$121 See report
Total	$3,863/mo.^*
	^*This is an estimate

Explore the Area

My Commute

From

Walk Score®

Provided by WalkScore® Inc.

Bike Score®

Provided by WalkScore® Inc.

Air Pollution Index

Provided by ClearlyEnergy

Sale history

Date	Event	Source	Price	% Change
4/19/25 Apr 19, 2025	Listed / Active	CVRMLS	$629,000

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This house located in 22578 is currently for sale for $629,000. 221 Little Oyster Lane is a 1,152 square foot house with 2 beds and 2 baths that has been on Estately for 2 days. This house is in the attendance area of Lancaster Middle School, Lancaster High School, and Lancaster Primary School.

Listing Courtesy of: CVRMLS and MSE Properties.

All or a portion of the multiple listing information is provided by the Central Virginia Regional Multiple Listing Service, LLC, from a copyrighted complication of Listings. All CVRMLS information is deemed reliable but is not guaranteed accurate. The compilation of listings and each individual listing are ©2025 Central Virginia Regional Multiple Listing Service, LLC. All rights reserved.

IDX information is provided exclusively 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.