Affordable Coastal Retreat With Water Access and Resort-Style Amenities
A Rare Opportunity for Affordable Coastal Living
For buyers dreaming of a relaxed waterfront lifestyle without the price tag often associated with coastal real estate, this unique property in the Northern Neck region of Virginia offers an exciting opportunity. Priced at $159,000, this two-bedroom home with a bonus loft and 1.5 bathrooms combines water access, a pond-front setting, recent structural and mechanical upgrades, and access to an amenity-rich community.
This is not simply a traditional move-in-ready house. It is a property with potential, a renovation opportunity, and a chance for the next owner to finish important spaces according to personal taste and budget. The home has already received several significant improvements, including a newer metal roof, new mini-split systems, a new tankless water heater, structural work, and cedar siding. With additional finishing work needed in areas such as the kitchen, bathrooms, and laundry or mudroom, the property presents an opportunity for a buyer who wants to create a personalized coastal retreat.
The setting adds even more appeal. Situated on approximately 0.69 acres and located on a pond leading toward Presley Creek, the property offers a connection to the water and the relaxed atmosphere many buyers seek when searching for a vacation home, weekend getaway, retirement property, or affordable primary residence.
Beyond the home itself, residents of the Bay Quarter Shores community have access to a long list of recreational amenities. Private water access, a community pier, boat slips, a boat ramp, sandy beaches, a swimming pool, sports courts, walking trails, and additional recreational areas create the feeling of living in a private resort community.
For buyers searching for coastal real estate, waterfront property potential, a vacation-style home, or a fixer-upper with lifestyle value, this property deserves a closer look.
Coastal Living With a Vacation Mindset
There is something special about owning a home near the water.
A coastal property can offer more than a place to sleep. It can provide a different daily rhythm. Mornings may begin outdoors with coffee and fresh air. Afternoons can involve time at the beach, on the water, or exploring nearby natural areas. Evenings can be spent on the deck enjoying the peaceful surroundings.
This property is designed for buyers who want that type of lifestyle.
The pond-front setting and private water access opportunities create a connection to the surrounding environment. The nearby community amenities provide additional ways to enjoy the outdoors without traveling far from home.
For some buyers, this could become a permanent residence with a vacation-like atmosphere. For others, it may serve as a weekend retreat or seasonal escape.
The flexibility of the property is part of its appeal.
Two Bedrooms Plus a Bonus Loft
The home includes two bedrooms and a bonus loft.
The loft adds useful flexibility beyond the traditional bedroom count. Depending on the needs of the next owner, it could potentially become:
- A guest sleeping area
- Home office
- Reading room
- Creative studio
- Hobby space
- Game room
- Lounge area
- Storage space
- Flexible recreational area
The home also includes one full bathroom and one half bathroom.
For a coastal getaway or compact primary residence, the layout provides room for personal living while maintaining a manageable size.
The approximately 1,418 square feet of interior living space gives the future owner room to create comfortable gathering areas, sleeping spaces, and functional everyday living zones.
A Great Room Design With Vaulted Ceilings
The home includes a great room combination along with cathedral or vaulted ceilings.
Vaulted ceilings can make a living space feel larger, brighter, and more open.
The vertical space creates an airy atmosphere and can complement a coastal decorating style.
The great room concept can also make entertaining easier. Instead of separating the primary living areas into small enclosed rooms, the design encourages a more connected flow between spaces.
This type of layout works especially well for vacation properties because family members and guests can gather together while still enjoying different activities.
One person can prepare food while another relaxes in the living area. Guests can socialize without feeling separated.
The result is a more casual and inviting environment.
First-Floor Bedroom Convenience
A first-floor bedroom is listed among the home’s features.
This can add practical flexibility for many buyers.
A main-level bedroom may be useful for:
- Long-term living
- Guests
- Multi-generational households
- Buyers who prefer fewer stairs
- A private home office
- Flexible everyday use
The remaining bedroom and bonus loft provide additional options for sleeping arrangements and personal space.
A Home Ready for Personalization
One of the most important aspects of this property is its renovation potential.
The home is being sold in as-is, where-is condition, with inspections for informational purposes only.
The kitchen, bathroom, and laundry or mudroom plumbing are described as being in rough-in condition.
This means the future owner should be prepared to complete work and customize unfinished areas.
For the right buyer, however, this can be an advantage.
Instead of paying a premium for someone else’s design choices, a buyer may have the opportunity to select finishes that match personal style.
Potential choices could include:
- Kitchen cabinetry
- Countertops
- Appliances
- Bathroom fixtures
- Lighting
- Flooring
- Interior paint
- Coastal decor
- Storage solutions
A renovation project allows buyers to build equity through thoughtful improvements, although all costs, permits, and construction requirements should be carefully evaluated.
Significant Structural Improvements Already Completed
While the property requires finishing work, several major upgrades have already been completed.
The home was raised, and structural beams were replaced.
Structural improvements can represent some of the most important work in an older property.
The completion of this work may give the next owner a starting point for continuing renovations.
As with any real estate purchase involving structural work, buyers should review available documentation, permits, contractor information, and inspection records.
A qualified home inspector or structural professional can provide additional guidance during the due-diligence process.
A Newer Metal Roof
The property features a metal roof that is less than a year old according to the listing information.
A newer roof can be an important consideration for buyers.
Metal roofing is often selected for durability and longevity, although actual performance depends on installation, materials, maintenance, and weather conditions.
The roof also complements the home’s cedar siding and can help create an attractive coastal or cottage-inspired appearance.
Before purchasing, buyers should verify the age, installation details, warranties, and condition of the roof.
Beautiful Cedar Siding
Cedar siding gives the home natural character.
Wood materials can work particularly well in coastal and waterfront settings because they create a warm, organic appearance.
Combined with the newer metal roof, the exterior can provide a strong visual foundation for the future owner’s renovation plans.
The next owner could continue the property’s coastal cottage style through landscaping, outdoor furniture, lighting, and interior finishes.
Four New Mini-Split Units
The home has four new mini-split units installed.
Mini-split systems can provide flexible heating and cooling for different areas of a home.
Having multiple units may allow individual spaces to be conditioned separately depending on the system configuration.
This can be especially useful in a home with multiple levels and a bonus loft.
The systems can support year-round use of the property, making the home suitable for more than a summer getaway.
Buyers should verify installation details, warranties, system capacity, and maintenance requirements.
New Tankless Water Heater
Another major upgrade is a new tankless water heater.
Tankless systems heat water as needed rather than storing large amounts of hot water in a traditional tank.
This can be an attractive feature for a compact home or vacation property.
The property listing also notes washer and dryer hookups, providing a foundation for creating a functional laundry or mudroom area during renovation.
New Flooring Ready for Installation
New flooring is ready to be installed.
This gives the future owner an opportunity to complete the interior with a consistent design.
Flooring choices can significantly influence the overall style of a home.
For a coastal retreat, potential design directions might include:
- Light-toned luxury vinyl
- Natural wood finishes
- Durable tile
- Coastal-inspired neutral colors
- Wide-plank flooring
The property currently lists vinyl flooring among its features.
Before installation, buyers should confirm the condition of the subfloor and prepare the surfaces appropriately.
Pond-Front Setting With Water Access
The property is situated on a pond leading toward Presley Creek.
Waterfront living can create a peaceful environment while also providing visual interest throughout the year.
The pond setting offers a natural backdrop for outdoor relaxation.
Imagine spending time on the deck while watching the changing seasons around the water.
The connection to the surrounding waterways adds another dimension to the property.
Buyers should independently verify water access, navigation, ownership boundaries, permitted activities, and any applicable environmental restrictions.
Outdoor Living on Approximately 0.69 Acres
The property includes approximately 0.69 acres.
This provides space for outdoor living, landscaping, and recreational use.
A deck extends the home’s usable living area outdoors.
The outdoor space could potentially be used for:
- Morning coffee
- Outdoor dining
- Grilling
- Lounge seating
- Gardening
- Container plants
- Entertaining
- Relaxation
The natural driveway and surrounding property can be further personalized by the future owner.
Bay Quarter Shores: A Community Filled With Amenities
One of the biggest advantages of this property is its location within Bay Quarter Shores.
This community offers a wide range of recreational amenities that can significantly expand the lifestyle possibilities available to residents.
Instead of purchasing a home and then traveling long distances to find recreation, residents have access to community facilities nearby.
The community amenities include:
- Private water access
- Community pier
- Boat slips
- Boat ramp
- Two sandy beaches
- Tennis courts
- Basketball courts
- Pickleball courts
- Clubhouse
- Swimming pool
- Walking trails
- Playground
- Recreational area
- Dedicated hunting area
This combination creates an impressive range of activities for different ages and interests.
Private Water Access and Community Pier
For buyers who enjoy boating and spending time near the water, private community access can be a major lifestyle benefit.
The community pier provides another place to enjoy the waterfront environment.
A pier can become a destination for fishing, relaxing, watching the sunset, or spending time with family and friends.
Access rules, availability, and permitted uses should be confirmed with the homeowners association.
Boat Slips and Boat Ramp
The community also includes boat slips and a boat ramp.
For boat owners, easy access to the water can be one of the most valuable features of a coastal community.
Instead of storing a boat far away and traveling to a public launch, community facilities may provide more convenient access.
Buyers should verify:
- Slip availability
- Reservation requirements
- Additional fees
- Boat size restrictions
- Ramp rules
- Water access conditions
These details can change and should be reviewed directly with the HOA.
Two Sandy Beaches
The presence of two sandy beaches adds a resort-style element to the community.
A beach nearby can make weekends and holidays feel like a vacation.
Residents may enjoy relaxing by the water, spending time with family, or simply walking along the shoreline.
For families with children, a nearby beach can provide an easy recreational destination.
For retirees or remote workers, it can become a peaceful place to relax after a busy day.
Swimming Pool and Clubhouse
The community clubhouse and swimming pool provide additional opportunities for recreation and social gatherings.
A pool can be particularly appealing during warmer months.
The clubhouse may provide a gathering point for community activities, subject to HOA rules and availability.
Having these amenities within the neighborhood adds value beyond the home’s individual lot.
Tennis, Basketball, and Pickleball
The community includes courts for multiple sports.
Tennis, basketball, and pickleball provide activities for different ages and fitness levels.
Pickleball in particular has become increasingly popular as a recreational sport.
Having access to sports facilities close to home can encourage an active lifestyle.
Walking Trails and Outdoor Recreation
Walking trails provide another way to enjoy the community’s natural setting.
Whether used for exercise, casual walks, or time outdoors, trails can help residents connect with the environment.
The community also includes a playground and recreational areas.
This makes the neighborhood suitable for families while also offering amenities for residents who enjoy an active outdoor lifestyle.
A Dedicated Hunting Area
Another unusual feature mentioned in the community amenities is a dedicated hunting area.
For outdoor enthusiasts, this can add to the recreational appeal of the location.
All hunting activities should follow applicable laws, seasons, safety requirements, and community rules.
Buyers interested in this feature should independently confirm the current availability and permitted use of the area.
Annual HOA Fee
The listed HOA fee is $350 annually.
For a community offering multiple recreational amenities, the HOA structure is an important part of the property’s overall ownership costs.
Buyers should review:
- HOA rules
- Financial documents
- Current fees
- Special assessments
- Amenity policies
- Water access rules
- Architectural guidelines
- Rental restrictions
- Pet policies
Understanding the homeowners association is an essential part of purchasing in a planned community.
Convenient Coastal Lifestyle in the Northern Neck
The Northern Neck region offers a different pace from crowded metropolitan areas.
The area is known for waterways, small communities, outdoor recreation, and a more relaxed lifestyle.
A property like this can appeal to buyers who want to escape busy city life while maintaining access to everyday services.
Whether used as a primary home or a second residence, the setting encourages a slower, more outdoor-focused way of living.
A Potential Weekend Getaway
For buyers searching for a weekend retreat, the property has strong lifestyle potential.
A typical weekend could include:
Friday evening arriving at a quiet coastal community.
Saturday morning enjoying coffee outdoors.
A trip to the beach or community pool.
An afternoon of boating or fishing.
A game of pickleball or tennis.
An evening at the clubhouse or relaxing at home.
Sunday spent walking trails before returning home.
The property’s combination of water access and community recreation creates numerous possibilities.
A Potential Permanent Vacation Lifestyle
The home could also appeal to buyers looking for a permanent residence with vacation-style amenities.
Retirees may appreciate a smaller home with manageable space and access to recreation.
Remote workers may enjoy living in a peaceful setting while maintaining a flexible lifestyle.
Families may appreciate the beaches, playground, pool, and sports facilities.
The home itself can be finished according to the needs of the future owner.
Important Buyer Considerations
Because the home is being sold as-is, where-is, buyers should perform thorough due diligence.
Recommended considerations may include:
- General home inspection
- Structural inspection
- Roof inspection
- Mini-split system inspection
- Plumbing inspection
- Electrical inspection
- Crawl space inspection
- Septic inspection
- Water system review
- Review of rough-in plumbing
- Permit verification
- HOA document review
- Waterfront boundary review
- Water access confirmation
- Insurance evaluation
The future owner should also obtain professional estimates for any unfinished renovation work.
Key Property Highlights
This property offers:
- Offered at $159,000
- Two bedrooms
- Bonus loft
- One full bathroom
- One half bathroom
- Approximately 1,418 square feet
- Approximately 0.69 acres
- Pond-front setting
- Water access
- Pond connection toward Presley Creek
- Great room layout
- Vaulted ceilings
- First-floor bedroom
- Deck
- Newer metal roof
- Cedar siding
- Four new mini-split units
- New tankless water heater
- Structural beams replaced
- Home raised
- New flooring ready for installation
- Rough-in plumbing areas
- Washer and dryer hookups
- Septic system
- Community water
- Paved road access
- Bay Quarter Shores community
- Private water access
- Community pier
- Boat slips
- Boat ramp
- Two sandy beaches
- Swimming pool
- Clubhouse
- Tennis courts
- Basketball courts
- Pickleball courts
- Walking trails
- Playground
- Recreational area
- Dedicated hunting area
Final Thoughts: A Coastal Project With Big Lifestyle Potential
Affordable waterfront and coastal opportunities can be difficult to find, especially in communities offering extensive recreational amenities.
This property stands out because it combines a renovation opportunity with a lifestyle that extends far beyond the home’s walls.
The major upgrades already completed provide an important foundation for the next phase of the property.
The newer metal roof, cedar siding, structural work, four mini-split units, tankless water heater, and flooring materials ready for installation create a starting point for a buyer who wants to finish the home according to personal taste.
The pond-front setting adds peaceful natural surroundings.
The connection toward Presley Creek adds to the area’s water-oriented appeal.
Most importantly, Bay Quarter Shores provides an exceptional collection of amenities.
From private water access and beaches to boat facilities, sports courts, walking trails, a swimming pool, and a clubhouse, the community offers opportunities to enjoy a vacation-style lifestyle throughout the year.
For the buyer willing to take on a finishing project, this home represents more than a renovation.
It represents the opportunity to create a personalized coastal retreat in a community designed around recreation, water access, and outdoor living.
Whether the goal is a primary residence, weekend escape, retirement retreat, or personal vacation property, this affordable coastal home offers the space, upgrades, and community lifestyle to make a vision possible.
Listed on Zillow.