3 days on RocketBackup offers
#119050, Beth Groner, Listing office: Keller Williams Fairfax Gateway
Property details
About 181 Cross St
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. Watch unforgettable sunrises each morning & enjoy ever-changing water vistas throughout the day. The main residence, with its two mirror-image levels, features 4 BR & 4 ensuite baths, providing generous space for family, guests, or multi-generational living. Each level includes living rooms, full kitchen & independent access. Thoughtfully designed for comfort, the home blends classic character & modern amenities to create relaxed riverfront living & seamless indoor-outdoor transitions. Wood flooring, refreshment bar, 2 gas FPs, custom built-ins, & multiple WICs ensure ample storage & style throughout. Savor expansive views & sights of Urbanna Harbor from the full-width deck spanning the 1st level. The lower level opens to a spacious patio & screened room, leading to the water's edge & private dock. A free-standing garage, complete with full bath & a welcoming porch overlooking the water, has hosted many oyster roasts & joyful gatherings. Above, a private guest suite offers comfort & 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 & marinas. Beautifully landscape and nicely elevated, no flood insurance is required. Whether you're seeking a full-time haven or the riverfront retreat of your dreams, this cherished gem is the ideal waterfront escape.
Highlights
HeatingElectric, Heat Pump
StatusActive
CoolingCeiling Fan(s), Central Air
Size2,681 sqft
Lot size1.52 Acres
Year built1992
ParkingDetached
MLS #119087
Garage2 spaces
FireplaceGas Log
Summary
- Full Bathrooms: 4
- Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Electric Water Heater
- Flooring Type: Hardwood, Carpet
- Interior: Walk-In Closet(s), Wet Bar
- Fireplace: Gas Log
- Total Bedroom Count: 4
- Garage Space: 2 spaces
- Parking: Detached
- Architectural Style: Other-See Remarks
- Heating: Electric, Heat Pump
- Cooling: Ceiling Fan(s), Central Air
- List Price: $998,500
- Price/SqFt: $372
- Annual Tax Amount: $2,734
- Tax Year: 2023
- Year Built: 1992
- Stories: 2
- Living Area: 2,681 SqFt
- Lot Size: 1.52 Acres
- MLS Number: 119087
- MLS Name: NorthernNeck
- Office Name: Pearls of the Chesapeake LLC
- Office Phone: (804) 436-3612
- Listing Agent: Neena Rodgers, Sandra Lent
© 2025 Northern Neck Association of Realtors MLS. All rights reserved. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange Program of NNMLS. Information is for personal, non-commercial use by viewers of this site and may not be reproduced or redistributed. All information is deemed reliable but not guaranteed.
Data displayed may be a portion of, and not a complete set of all listings published in the MLS.
Last updated on: 7/15/2025, 10:45:39 PM Eastern. If you have any questions regarding the accuracy of this data, please contact us at help@rockethomes.com.
Price information
Property sales
We're sorry, we currently don't have property sales data for this listing.
Tax history
| Year | Assessment | Property Tax |
|---|---|---|
| 2023 | $448,300 | $2,734 |
| 2022 | $448,300 | $2,734 |
| 2021 | $407,900 | $2,528 |
| 2020 | $407,900 | $- |
| 2019 | $405,300 | $- |
| 2017 | $405,300 | $- |
History based on county public records data.
Nearby schools
4
Middlesex Elementary School
Public District PK-5
5.1 mi
•823 Philpot Rd
2
Lancaster Primary School
Public District PK-3
11.6 mi
•36 Primary School Cir
5
Petsworth Elementary School
Public District PK-5
12.3 mi
•10658 George Washington Memorial Hwy
School ratings are a score out of 10, where 10 is the highest and 1 is the lowest.
Neighborhood
The neighbors living near this home have an average income of $65,552. The most common annual income of people living in Urbanna, VA is between $35k-100k. The majority of families are single, no kids. Residents of this area typically have post secondary degree education.
How much money do the neighbors make?
22%
<35k
51%
35k-100k
21%
100k-200k
6%
200k+
What level of education do the neighbors have?
High School Diploma
Post Secondary Degree
Masters Degree
What types of families live nearby?
50%
Single, No Kids
6%
Single, with Kids
34%
Married, No Kids
10%
Married, with Kids
Are the neighbors home owners or renters?
Home Owners
Renters
How old are people in this area?
9%
<11 yrs old
7%
12-17 yrs old
12%
18-34 yrs old
43%
35-64 yrs old
29%
65+ yrs old
What do the neighbors do for fun?
Figure Skating
NASCAR
Hunting
Where do the neighbors shop?
Dollar General
Bass Pro Shops
Academy Sports & Outdoors
Where do the neighbors go to eat?
Applebees
Hardee's
Jimmy Johns
What do the neighbors drive?
Cadillac
GMC
Chevrolet
What do the neighbors listen to?
Classic Country
New Country- Country
All data provided by Home Junction and Claritas
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Backup offers
#VAMX2000216, Elizabeth J Groner, Listing office: Keller Williams Fairfax Gateway
#2504471, R.D. Johnson II, Listing office: Mason Realty, Inc.
Frequently asked questions
About 181 Cross St
The listing price of 181 Cross St property is $998,500.
The property 181 Cross St is a house located in Urbanna, Virginia, 23175.
Active Listing: 181 Cross St is For Sale (Active/New) which means the seller is accepting offers.
The nearby schools for 181 Cross St are: Middlesex Elementary School (GreatSchools Rating 4/10), Lancaster Primary School (GreatSchools Rating 2/10), Petsworth Elementary School (GreatSchools Rating 5/10), St. Clare Walker Middle School (GreatSchools Rating 5/10), King & Queen Elementary School (GreatSchools Rating 5/10), Lancaster Middle School (GreatSchools Rating 3/10), Middlesex High School (GreatSchools Rating 6/10), Lancaster High School (GreatSchools Rating 6/10), West Point Middle/High (GreatSchools Rating 6/10).
According to the records, the last property tax for 2023 is $2,734 (source: MLS/based on county public records data).
The property at 181 Cross St has 4 bedrooms and 4 bathrooms.
The property 181 Cross St is 2,681 SqFt (source: MLS/tax record).
The year of construction for 181 Cross St is 1992.
This home is located at 181 Cross St in Urbanna, VA and zip code 23175. This 2,681 square foot home, which was built in 1992, sits on a 1.52 acre lot. Features: 4 bedrooms, 4 bathrooms. It has been listed on Rocket Homes since July 11, 2025 and is currently priced at $998,500.
From Rocket Homes Real Estate and based on county public records data.