15 days on market
$499,000
1981 Cobham Wharf Rd
Surry, Virginia 23883
MLS# 10638970 · SURRY · Surry County VA
Updated 4 days ago · Source: REIN MLS
Est. payment
$3,006/mo
Edit below
Price / sq ft
$103
4,858 sq ft
Days on market
15
HOA
None
Year built
1989
37 yrs old
Beds
5
Full Baths
3
Half Baths
1
Sq Ft
4,858
Garage
No
Schools
- ElementarySurry Elementary—
- MiddleLuther P. Jackson Middle—
- HighSurry Co.—
Info provided by GreatSchools
About this home
Discover your own piece of paradise just minutes from the Jamestown-Scotland Ferry. Situated on 16+ acres with gorgeous woods, streams, ravines, and a stocked private pond perfect for fishing! The home offers an amazing layout, ready for someone to make it their own. A rare setting with privacy, natural beauty, character, and so much to enjoy. Come see all this beautiful property has to offer. Sold AS-IS
Listed by Jessica Pratt · Iron Valley Real Estate HR
VaHome Team property overview
A five-bedroom, nearly 5,000-square-foot home on Cobham Wharf Road in Surry, Virginia — where rural Tidewater character, serious square footage, and quick access to Fort Eustis come together on a property that genuinely feels removed from the everyday.
Read full property overview ↓Show less ↑
Why this home stands out
Properties of this scale — 4,858 square feet, five bedrooms, three and a half baths, built in 1989 — are rare in Surry County. You're not choosing between space and serenity here; you get both. The address sits along Cobham Wharf Road, one of those unhurried rural corridors that still connects you to the broader Hampton Roads region faster than the zip code might suggest.
About the Surry real estate market
Surry, Virginia is one of those places that people who know it tend to keep quietly to themselves. Surry County sits on the south bank of the James River, directly across from Williamsburg, and the landscape here is defined by working farmland, mature hardwood corridors, and a genuine small-town pace that's increasingly hard to find within commuting range of major employers. Cobham Wharf Road specifically runs toward the river, giving the area a quiet, almost colonial-era feel — this stretch of Surry County has been inhabited and farmed for centuries, and that history shows in the unhurried rhythm of the place. The county seat is a short drive away, and the Surry Nuclear Power Station and Chippokes Plantation State Park are both nearby landmarks that orient you to just how rural and historically layered this corner of Virginia really is. For buyers searching for a 5-bedroom home in Surry Virginia, this address checks a lot of boxes that are simply unavailable closer to the urban core.
What's nearby
Day-to-day errands are manageable from Cobham Wharf Road. The town of Surry is just a few minutes away for basics, and the Surry Seafood Company is a local institution worth knowing. The Jamestown-Scotland Ferry — free to ride — puts you across the James River and into Williamsburg in about 15 minutes, opening up a much wider range of dining, grocery, and shopping options. Chippokes Plantation State Park is practically a neighbor, offering trails, river access, and open space. For larger grocery runs or retail, Smithfield and Windsor are both within a reasonable drive south.
For different buyers
For military families relocating
Fort Eustis is roughly 20 minutes from Cobham Wharf Road, and Camp Peary sits about 24 minutes out — both manageable for daily commutes. Five bedrooms means room for a home office, a guest room for visiting family, and still space for everyone else. Buyers using a VA loan will find Surry County an approachable market compared to the higher-pressure submarkets closer to base.
For buyers drawn to character
If your search has been driven by a feeling — something quieter, something with land and history and a front porch that actually gets used — Cobham Wharf Road delivers. This is rural Tidewater Virginia at its most genuine: the James River nearby, centuries of agricultural heritage in the soil, and a home with enough square footage to live large without the density of a subdivision.
Frequently asked questions
How far is 1981 Cobham Wharf Road from Fort Eustis?
Joint Base Langley-Eustis (Fort Eustis) is approximately 20 minutes from this address, making it a realistic daily commute for service members stationed there. The route typically runs through Smithfield and across the James River Bridge.
Is 1981 Cobham Wharf Road in a flood zone?
Surry County properties near the James River corridor can carry varying flood designations — check the FloodRisk tile on this page for the specific FEMA flood zone classification assigned to this parcel.
What county is 1981 Cobham Wharf Road in?
This address is located in Surry County, Virginia, which has its own local government, tax structure, and services distinct from the neighboring cities and counties in the Hampton Roads region.
How do you get from Cobham Wharf Road to Williamsburg?
The most direct and scenic route is via the Jamestown-Scotland Ferry, which departs from Scotland Wharf just minutes from this address and crosses the James River to Jamestown — putting you in Williamsburg in roughly 15 to 20 minutes total.
Does 1981 Cobham Wharf Road have an HOA?
Based on available property data, this address does not appear to be governed by a homeowners association, though buyers should confirm current HOA status during the due-diligence period.
Want to see 1981 Cobham Wharf Road in person? Tom and Dariya Milan at LPT Realty know this corner of Virginia well — reach out and let's set up a visit.
Summary generated by AI from public records and publicly available information.
Location & Neighborhood
Places within ~1 mile, ordered by distance from this property. Powered by Google Places.
Flood Risk
Property Details
Bedrooms
5
Full Baths
3
Half Baths
1
Approx Sq Ft
4,858
Stories
2
Fireplaces
0
Flooring
Carpet, Ceramic, Marble, Vinyl
Heating
Cooling
Laundry
Interior Features
N/A
Appliances
Dishwasher, Disposal, Dryer Hookup, Microwave, Refrigerator, Washer Hookup
Sale & Tax History
List Price
$499,000
Price / Sq Ft
$103
Annual Taxes
$3,255
Monthly Tax
$271
HOA
None
Tax Rate (effective)
0.65%
Sale Timeline (this listing)
| Event | Date | Price | Detail |
|---|---|---|---|
| Listed | Jun 11, 2026 | $499,000 | — |
| Currently listed | — | $499,000 | — |
Looking for multi-year tax assessments or prior sales? REIN MLS only ships data for the current listing. For full property history, check the city assessor record:
Tax data above from REIN public-records sync. Sale timeline tracked from this listing's first appearance in our feed forward; prior owner sales are not included.
Comparable Properties
Comps are selected by city, bed count, square footage and price proximity. Composite similarity score weights bed match, sqft variance, price variance, and straight-line distance.
Military Commute
Drive times to nearest basesDrive times via Google Maps with current traffic patterns. Times are typical and may vary by time of day. Use the "Analyze" button up top to see live drive time to your saved base.
Estimate your monthly payment
$3,006/moPrincipal & interest
$2,589
Property tax
$271
Home insurance
$146
PMI
None
HOA
None
Estimate only. Insurance assumed at 0.35% of home value annually. Actual taxes, insurance, and rate will vary by lender, credit, and property. Contact a lender for a personalized quote.
Listed by Iron Valley Real Estate HR · MLS# 10638970
Data provided by REIN MLS. Information deemed reliable but not guaranteed.
$499,000
1981 Cobham Wharf RD, SURRY VA 23883
Surry, Virginia 23883
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