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181 Cross Street, Urbanna, VA 23175 (MLS # 2519243)

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First time offered! A Rare Waterfront Treasure in the Heart of Urbanna. Nestled seamlessly into the landscape, this picture-perfect brick home offers breathtaking views of the Rappahannock River and the serene beauty of Chesapeake Bay wildlife. Watch unforgettable sunrises each morning and enjoy ever-changing water vistas throughout the day. The main residence, with its two mirror-image levels, features 4 bedrooms and 4 ensuite baths, providing generous space for family, guests, or multi-generational living. Each level includes living rooms, a full kitchen and independent access, allowing for versatility and privacy. Thoughtfully designed for comfort, the home blends classic character and modern amenities to create relaxed riverfront living and seamless indoor-outdoor transitions. Wood flooring, refreshment bar, two gas fireplaces, custom built-ins, and multiple walk-in closets ensure ample storage and style throughout. Savor expansive views and the captivating sights of Urbanna Harbor from the full-width deck spanning the first level. The lower level opens onto a spacious patio and screened room, leading to the water's edge and your private dock. A free-standing garage, complete with full bath and a welcoming porch overlooking the water, has played host to many lively oyster roasts and joyful gatherings. Above it, a private guest suite offers comfort and privacy for visitors"”or income-generating potential. This meticulously maintained, all-brick home is just a short stroll to the charming Village of Urbanna close to shops, dining and marina amenities. Beautifully landscaped and nicely elevated, no flood insurance is required. No drive-bys or turn-arounds, please. Whether you're seeking a full-time haven or the riverfront retreat of your dreams, this cherished gem is the ideal waterfront escape.

DAYS ON MARKET 1 LAST UPDATED 7/11/2025
TRACT None YEAR BUILT 1992
COMMUNITY 112 - Middlesex GARAGE SPACES 2.0
COUNTY Middlesex STATUS Active
PROPERTY TYPE(S) Single Family

SCHOOLS
Elementary School Middlesex
Jr. High School Saint Clare Walker
High School Middlesex


ADDITIONAL DETAILS
AIR Ceiling Fan(s), Central Air, Electric
AIR CONDITIONING Yes
APPLIANCES Cooktop, Dishwasher, Dryer, Electric Cooktop, Electric Water Heater, Microwave, Oven, Refrigerator, Washer
AREA 112 - Middlesex
BASEMENT Finished, Walk-Out Access, Yes
CONSTRUCTION Brick
EXTERIOR Balcony, Dock, Storage
FIREPLACE Yes
GARAGE Yes
HEAT Electric, Heat Pump
INTERIOR Bookcases, Built-in Features, Ceiling Fan(s), Master Downstairs, Recessed Lighting, Walk-In Closet(s), Wet Bar
LOT 1.523 acre(s)
LOT DESCRIPTION Landscaped, Waterfront
PARKING Detached, Garage
POOL DESCRIPTION None
SEWER Public Sewer
STORIES 2
STYLE Two Story
SUBDIVISION None
TAXES 2734.64
WATER Public
WATER ACCESS Urbanna Harbor
WATERFRONT Yes
WATERFRONT DESCRIPTION Creek, Waterfront
ZONING H
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Listed with Pearls of the Chesapeake LLC

All or a portion of the multiple Listing information is provided by the Central Virginia Regional Multiple Listing Service, LLC, from a copyrighted compilation of Listings. All CVR MLS information provided 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, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing

Last Updated: 7/11/25 10:33 PM PDT

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