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70 Francis Street

Montross, VA
$ 360,900 Beds 3 Baths 2 Sq 1,276
Monthly Estimate* How much can I afford?

BRING ALL YOUR TOYS! BOATS, MOTORCYCLES, RV, JET SKIS, KAYAKS, AND UTILITY TRAILERS. LOTS OF STORAGE SPACE FOR THEM! WELCOME TO WONDERFUL LIVING IN STRATFORD HARBOUR. THIS UNIQUE COTTAGE CHALET SITS ON A COMBINED LOT WITH ONLY 1 HOA FEE, IT BOAST 3 BEDROOMS, 2 BATHS AND IF YOU WANT A GARAGE THERE IS NOT ONE BUT TWO DOUBLE CAR GARAGES WITH AN ADDITIONAL CARPORT FOR PLENTY OF ROOM FOR YOUR TOYS. THERE IS A HOOKUP FOR RECHARGING YOUR RV AND EACH GARAGE HAS ITS OWN GARAGE DOOR OPENERS WITH REMOTES. MOTION ACTIVATED SECURITY LIGHTS ON THE GARAGES AND COVERED CARPORT. THE PROPERTY BOASTS AN ASPHALT DRIVEWAY (30X77) TO ACCOMMODATE MULTIPLE VEHICLE PARKING. AFTER A DAY OF FUN AND PLAYING WITH YOUR TOYS, THERE IS A SPOT BETWEEN TWO SEASONED OAK TREES TO STRING YOUR HAMMOCK FOR RELAXATION IN THE SHADE. THE PROPERTY IS A SHORT DISTANCE TO THE MARINA ON THE POTOMAC AND L AKE INDEPENDENCE FOR LAUNCHING. THERE IS AN OUTSIDE DECK OFF THE KITCHEN FOR GRILLING AND RELAXATION. THE MAIN FLOOR HAS AN OPEN FLOOR PLAN WITH KITCHEN/DINING AREA WITH ISLAND, BATHROOM/LAUNDRY ROOM AND ONE BEDROOM. THE UPSTAIRS FEATURES 2 BEDROOMS AND ONE BATH. ALL NEW GENERAL ELECTRIC (GE) ENERGY EFFICIENT APPLIANCES WERE PUT IN WITH THE EXCEPTION OF THE DISHWASHER. METICULOUS CARE HAS BEEN TAKEN BY THE SELLER DURING HIS OWNERSHIP BY WATERPROOFING/SUMP PUMP THE CRAWL SPACE WITH NEW VAPOR BARRIER (12ML), PRESSURE WASHING OF THE HOME AND GARAGES, STAINING OF DECK AND GARAGE LANDING AS WELL AS DECK LEVELING. NEW ROOF IN 2025 ON THE HOME AND GARAGE. RECENTLY PAINTED THROUGHOUT THE INSIDE INCLUDING TRIM, DOORS, CLOSETS AND SHEVLES. OUTSIDE PAINTING WAS RECENTLY DONE ON THE FRONT COLUMNS/GARAGE DOOR AD CRAWL SPACE DOOR AND HOUSE DOOR, AND TRIM. Owner had taken property off the market in order to do some upgrades that would enhance the sale of the property. Owner has replaced the old fluorescent light fixtures with new energy efficient LED lighting, installation of Crown Molding on the first level,( foyer, kitchen, dining room, and living room), repair hairline cracks in drywall, and painted the ceiling on the entire first level, pruning of trees at specific location on the property and exterior painting of garage. THIS HOME IS READY TO MOVE IN AND AFFORD YOU THE COMFORT OF A YEAR-ROUND HOME OR SECOND HOME FOR YOUR ENJOYMENT. OTHER AMENITIES OF THE COMMUNITY ARE TWO BEACHES, CLUBHOUSE, SWIMMING POOL, TOT LOT, TENNIS/PICKLE BALL COURTS, BASKETBALL, SOCCER FIELD AREA AND PAVILION FOR PICNICS AND GATHERINGS.

ACTIVE

  • Price
  • $ 360,900
  • City
  • Montross
  • Bedrooms
  • 3
  • Full Bathrooms
  • 2
  • County
  • WESTMORELAND
  • Half Bathrooms
  • 0
  • Area
  • Lot Size
  • 0.88 Acres
  • Zip
  • 22520
  • Sqr Footage
  • 1,276
  • Year Built
  • 2001
  • Taxes
  • $ 1362
  • Style
  • Chalet,Cottage
  • MLS#
  • VAWE2011578
Listed By: Susan E Johnson with CENTURY 21 New Millennium - 5403732000;
Data Source: Bright MLS

Features

General

Living Area 1276
Sewer Gravity Sept Fld,Septic = # of BR,Septic Exists
Heating Heat Pump(s)
Cooling Ceiling Fan(s),Central A/C,Heat Pump(s)
Possession Settlement
Appliances Built-In Microwave,Dishwasher,Range Hood,Refrigerator,Stove,Washer/Dryer Stacked,Dryer - Electric
Zoning R1
HOA Fee 550.00
Garage Spaces 4.00
Patio/Porch Features Deck(s)
Architectural Style Chalet,Cottage,Other
Security Features Exterior Cameras,Motion Detectors
Construction Materials Vinyl Siding
School District WESTMORELAND COUNTY PUBLIC SCHOOLS
Year Built 2001
Levels 2
Other Fees 465.00
Tax Year 2025
Ownership Fee Simple
Cool Fuel Electric
Accessibility None
Additional Parcels Description LOTS 38 AND 39 COMBINED.
Assoc Fee Paid Per Annually
County WESTMORELAND
New Construction No
Property Type Residential
HOA Yes
Subdivision Name STRATFORD HARBOUR
Garage Y/N Yes
Water Access Y/N No
Other Structures Above Grade,Below Grade
Full Baths 2
Status ACTIVE
Directions FROM FREDERICKSBURG: ROUTE 3(KINGS HWY) TOWARDS MONTROSS,TURN LEFT ON STRATFORD HALL RD,GO APPROXIMATELY 4 MILES TURN LEFT ON S. INDEPENDENCE,GO APPROX 5 BLOCKS ON RIGHT AND TURN RIGHT ON FRANCIS,2ND
City MONTROSS
Body of Water Lake Independence
Disclosures Prop Disclosure,Sell Entirely,Subject to VA POA
Other Fees Frequency Annually
Association Name STRATFORD HARBOUR PROPERTY OWNERS ASSOCIATION
Senior Community Y/N No
Lot Size Units Square Feet
Lot Size Square Feet 38443.00
Tax Assessed Value 200200.0
Tax Annual Amount 1362.0
Home Warranty Y/N No
Property Condition Excellent
Structure Type Detached
Condo/Coop Association fee Y/N No
Bathrooms Full Main Level 1
Bathrooms Count Main Level 1.00
Price Per Sq Ft Total AG 282.84
Acceptable Financing Cash,Conventional,FHA,Rural Development,USDA,VA
Additional Parcels Y/N Yes
Community Pool Features Concrete,Fenced,In Ground
Historic Y/N No
Lease Considered Y/N No
Vacation Rental Y/N No
Total SQFT 1276
Standard Status Active
Year Built Source Assessor
Legal Subdivision MACHODOC POINT
Tax Lot 38
Association Recreation Fee No

Interior Features

Interior Amenities Breakfast Area,Ceiling Fan(s),Combination Kitchen/Dining,Entry Level Bedroom,Floor Plan - Open,Kitchen - Galley,Kitchen - Island
Heating Fuel Electric
Hot Water Electric
Total Stories 2
Basement (Y/N) No
Heating Y/N Yes
Window Features Bay/Bow
Fireplace Y/N No
Above Grade Finished Area 1276
Central Air Y/N Yes
Total Bedrooms 3
Room Type Living Room,Dining Room,Bedroom 2,Bedroom 3,Kitchen,Bathroom 2
Main Level Bedrooms 1
Below Grade Finished Area Unit Type Square Feet
LivingAreaSource Estimated
Laundry Type Main Floor,Dryer In Unit,Washer In Unit
Below Grade Unfin Area Units Square Feet
Below Grade Unfin SQFT Source Assessor
Below Grade Finished Area Source Assessor
Bedrooms Count All Upper Levels 2
Bedrooms Count Upper Level 1 2
Bathrooms Full Upper Level 1 1
Bathrooms Full All Upper Levels 1
Bathrooms Count Upper Level 1 1.00
Bathrooms Count All Upper Levels 1
Above Grade Finished Area Source Estimated
Above Grade Finished Area Unit Type Square Feet
Total Baths 2

Exterior Features

Exterior Amenities Bump-outs,Exterior Lighting
Pool Yes - Community
Parking Features Asphalt Driveway
Lot Features Backs to Trees,Partly Wooded,Private
Water Source Public
Total Parking Spaces 6
Garage Features Garage - Front Entry,Garage Door Opener,Garage - Side Entry
Type of Parking Detached Garage,Driveway
Land Use Code 006
Foundation Details Block,Crawl Space
Spa No
Water View Y/N No
Lot Dimensions 243.33 x 83.50 258.44 x 80
Lot Size Acres 0.88
Road Surface Type Black Top,Paved
Road Frontage Length 164
Water Body Type Lake
Lot Size Source Estimated
Waterfront Y/N No
Road Responsibility State
Horse Y/N No
Navigable Water Y/N No
Water Oriented Y/N Yes
# of Detached Garage Spaces 4
LotDimensionsSource Estimated

Room Details

Bathroom 2 Upper 1
Bedroom 2 Upper 1
Bedroom 3 Upper 1
Dining Room Main
Kitchen Main
Living Room Main

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Beverly Hills, CA office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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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.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Unknown Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

6/22/2026 Listed $355,000

Property vs Zip Code Average in 22520

Price
AVG $440K
$360K
Taxes
AVG $1,897
$1,362
Year Built
AVG 1996
2001

In The Neighborhood

Areas That We Cover

70 Francis Street Montross, VA is a Single Family Home for sale at $360900 with 1276 sqft and a lot size of 0.88 Acres Acre(s). 70 Francis Street Montross has 3 bedrooms, 2 baths and was built in 2001. The property's zip code is 22520 which is in Montross, VA

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: 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.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site 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.

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