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Lacy Williams
REALTOR®, CSP, MRP, CLHMS, Associate Broker
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430 Pine Tree Road, Center Cross, VA 22437

$445,000
  • 430 Pine Tree Road, Center Cross, VA 22437 Main Photo

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Active
BEDS3 BATHS2 full SQUARE FEET1,400 MLS#2607347
STATUSActive PROPERTY TYPEResidential - Single Family SUBDIVISIONSouth Hill Banks

Property Description

South Hill Banks is a waterfront community in Essex County featuring a wide community sand beach with pier and boat ramp on the Rappahannock. 430 Pine Tree Road offers wonderful views of the River from the deck, family room or around the fire pit. The home features 3 bedrooms and two full baths as well as a large family room opening to the kitchen. There have been numerous renovations and upgrades including replacement windows, a new moisture barrier and dehumidifier in the crawl space (6-25), new roof (2023), HVAC (2025), water heater (2023). The property includes a shed with water and power and a second storage building/garage. Conveniently located only 50 minutes from Richmond, 20 minutes from Tappahannock or Urbanna and 10 minutes from Garrett's Marina. The county taxes the home as a 2 bedroom home but, the Health Department has it permitted for 3 bedrooms. The Community Association has a voluntary $125/year fee to cover up keep of the roads, pavilion, boat ramp and insurance. Move in Ready for the Summer.

430 Pine Tree Road | MLS# 2607347

This single family home located at 430 Pine Tree Road, Center Cross, VA 22437 is currently listed for sale with an asking price of $445,000. This property was built in 1968 and has 3 bedrooms and 2 full baths with 1400 sq. ft. Pine Tree Road is located in the South Hill Banks subdivision. Search South Hill Banks real estate on www.lacywilliams.com today.

Property Features

Property Type: Residential - Single Family
Basement: Crawl Space
Cooling: Central Air
Heating: Electric, Heat Pump, Propane
Home Style: Ranch
Lot Size: 0.26 Acres
Roof Type: Composition
Stories: 1.0
Taxes: $983
Year Built: 1968

Feature Descriptions

Appliances: Washer/Dryer Stacked, Dishwasher, Electric Cooking, Electric Water Heater, Microwave, Refrigerator, Smooth Cooktop
Body of Water: Rappahannock Rivver
Community Features: Beach, Boat Facilities, Dock
Days on Site: 7
Door Features: Insulated Doors
Exterior: Block, Drywall, Frame, Vinyl Siding
Exterior: Deck, Storage, Shed
Fencing: None
Floor Features: Carpet, Laminate, Wood
Interior: Bedroom on Main Level, Ceiling Fan(s), Dining Area, Eat-in Kitchen, Laminate Counters, Bath in Primary Bedroom, Main Level Primary
Laundry: Washer Hookup, Dryer Hookup, Stacked
Lot: Level
Lot Dimensions: 130' X 100'
Parcel#: 54A-5-72
Parking: No Garage, Off Street
Patio/Porch: Side Porch, Deck
Sewer: Septic Tank
Special View Info: Water
Topography: Level
Water: Community/Coop, Shared Well
Water Features: River Front, Water Access, Walk to Water
Window: Thermal Windows

Local Schools

High School: Essex
Middle School: Essex
Elementary School: Tappahannock

Listed By / Shown By

Listed By

Agency Name: Hometown Realty

Shown By

Agent Name: Lacy Williams
Agent Phone: (804) 864-0316
Agency Title: Joyner Fine Properties

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Estimate Your Payment

Estimated Payment

$ 2,461.87 per month $2,250.16 Principal & Interest $81.92 Property Tax $129.79 Homeowner's Insurance

Change Payment Information

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(Payments are an estimate and may vary by lender)
Virginia Credit Union. Find out exactly how much home you can afford. Please contact: LAURA STEVENS. Office: 804-967-2450, Cell: 804-218-7876, Fax: 804-477-1442, laura.stevens@vacu.org, NMLS: 189613
©Joyner Fine Properties - Seller will consider paying buyer agent compensation based upon the terms and conditions of any offer made. Said compensation to be negotiated in the purchase agreement. Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information 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. Information on this site was last updated 04/01/2026. The listing information on this page last changed on 04/01/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Wed 04/01/2026 3:07:49 PM EST) or CAAR MLS (last updated Wed 04/01/2026 2:55:10 PM EST) or CVRMLS (last updated Wed 04/01/2026 3:03:57 PM EST) or Bright MLS (last updated Wed 04/01/2026 2:51:06 PM EST). Real estate listings held by brokerage firms other than Joyner Fine Properties may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.



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These real estate listings were derived from the Central Virginia Regional Multiple Listing Service, LLC, of which this brokerage is an independently owned Participant. The information contained in these listings is deemed reliable but is not guaranteed. All MLS listings are © 2026 Central Virginia Regional Multiple Listing Service,LLC. All rights reserved. No one may copy and/or repost these MLS listings, or any portion thereof, without the written permission of an authorized officer of the Central Virginia Regional Multiple Listing Service, LLC. These listings are refreshed within a minimum of every seven calendar days. Thus, listings may appear here for properties no longer on the market. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties for purchasing or leasing.



©Joyner Fine Properties - Seller will consider paying buyer agent compensation based upon the terms and conditions of any offer made. Said compensation to be negotiated in the purchase agreement.

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Agency License Information: Joyner Fine Properties and its agents are licensed in the Commonwealth of Virginia.


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