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SurrySURRY1981 Cobham Wharf Rd✓ Source: REIN MLS #10638970 · record updated Jul 17, 2026 · synced every 2 min · your inquiry is never resold
1981 Cobham Wharf RD, SURRY VA 23883 - Main photo
1981 Cobham Wharf RD, SURRY VA 23883 - Photo 2
1981 Cobham Wharf RD, SURRY VA 23883 - Photo 3
1981 Cobham Wharf RD, SURRY VA 23883 - Photo 4
1981 Cobham Wharf RD, SURRY VA 23883 - Photo 5
$499,000
$103 / sqft · est. $3,006/mo →
5beds
3.1baths
4,858sqft
35days on market

1981 Cobham Wharf Rd, Surry, VA 23883

Under ContractResidential · built 1989 · SURRY

Chapter · The Water

Life on the water

The waterfront is the reason this home exists. Its water record, straight from the listing: Pond.

Frontage

Pond ✓ VERIFIED

Source: REIN MLS listing record · waterfront features as listed

About this home

The listing, in the seller's words

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

Listing courtesy of Jessica Pratt · Iron Valley Real Estate HR · REIN MLS #10638970

VaHome team overview

Our read on this home

At a glance

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 the full overview ↓

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.

More buyer 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.

Schools

  • ElementarySurry Elementary
  • MiddleLuther P. Jackson Middle
  • HighSurry Co.

Info provided by GreatSchools

Facts & features

The record, sourced

Type

Residential

Year built

1989

Price / sqft

$103

HOA

None

Taxes

$3,255/yr

County

Surry County VA

Waterfront

Yes

MLS #

10638970

Interior

Bedrooms
5
Full baths
3
Half baths
1
Approx. sqft
4,858
Stories
2
Flooring
Carpet, Ceramic, Marble, Vinyl
Ensuite bedrooms
1
First-floor bed & full bath
Yes
Total rooms
10
Other rooms
1st Floor BR, 1st Floor Primary BR, Attic, Breakfast Area, Foyer, Loft, PBR with Bath, Office/Study, Pantry, Porch, Rec Room, Spare Room, Utility Room
Appliances
Dishwasher, Disposal, Dryer Hookup, Microwave, Refrigerator, Washer Hookup
Equipment
Ceiling Fan, Generator Hookup
Accessibility
Adaptable Cabinets, Hallways 42 IN plus, Level Flooring, Lower Light Switches, Main Floor Laundry

Construction & exterior

Style
Ranch
Subtype
Detached
Foundation
Crawl
Roof
Asphalt Shingle
Exterior
Brick
Pool
No Pool
Waterfront
Pond

Utilities & systems

Heating
Heat Pump W/A, Propane Gas
Cooling
Central Air, Zoned
Water heater
Gas
Water
Well
Sewer
Septic

Lot, parking & ownership

Lot size
16.1000
Subdivision
SURRY
Zoning
SFR
Ownership
Fee Simple
Garage
No
Parking
Carport, Covered, Off Street, Driveway Spc
Possession
SETTLE
Disclosures
Bank Repo, Disclosure Statement

Sources: REIN MLS record · null fields are suppressed, never faked

Flood & environment

FEMA flood zone X · outside the high-risk area · FIRM 51181C

Flood Risk

Looking up FEMA flood zone…

Hurricane Evacuation Zone

Not in a designated hurricane evacuation zone.

Source: Virginia Dept. of Emergency Management — Know Your Zone

Location intelligence

Minutes to real places, not a score

Location & Neighborhood

Places within ~1 mile, ordered by distance from this property. Powered by Google Places.

Military Commute

Drive times to nearest bases

Drive 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.

The numbers

Run the real carrying cost

Estimates only — taxes come from the public record; confirm rates with your lender. VA-eligible buyers: $0-down financing may apply.

Estimate your monthly payment

$3,006/mo

Principal & 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.

Value & history

Judge value on real ground

Why we show no algorithmic estimate.

National AVMs misprice homes whose value drivers they can't see. Instead: the sourced assessment above, the carrying cost, real price history, and honest comparables below.

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)

EventDatePriceDetail
ListedJun 12, 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:

Surry Assessor (Google)

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.

Questions buyers ask

Real questions, answered from the record

Is 1981 Cobham Wharf Rd in a good school zone?+
The assigned zones on the listing record are Surry Elementary, Luther P. Jackson Middle, Surry Co.. School attendance zones can change — always confirm enrollment with the local school division.
Is 1981 Cobham Wharf Rd in a flood zone?+
FEMA maps this parcel in Zone X, outside the high-risk Special Flood Hazard Area. See the flood section on this page for details and sources.
Is 1981 Cobham Wharf Rd a waterfront property?+
Yes. The listing record shows: Pond.
Does 1981 Cobham Wharf Rd have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 1981 Cobham Wharf Rd built?+
It was built in 1989, per the listing record.

Answers generated from the listing record, verified school zones, FEMA data, and cached nearby-places data — never invented.

The people

You'll talk to a person, not a lead queue

TD

Tom & Dariya Milan

LPT Realty · Hampton Roads · answer their own phone

✓ Your inquiry goes to Tom & Dariya — never sold to strangers

Listing courtesy of Jessica Pratt · Iron Valley Real Estate HR · REIN MLS #10638970

Call or text (757) 777-7577

Ask Dariya — instant answers

Schools, flood, drive times, what it really costs to own — answered from this page's data, by chat or voice.

Schedule a private tour

Free, no obligation — your inquiry goes to Tom & Dariya, never resold.

1981 Cobham Wharf Rd, Surry — photo

See it in person — the record only says so much.

Call or text (757) 777-7577

1981 Cobham Wharf Rd, Surry, Virginia 23883 · MLS #10638970 · Source: REIN MLS + public record. Information deemed reliable but not guaranteed — verify independently. School zones subject to change; confirm with the local school division. All locations are described by neutral geographic fact. Equal Housing Opportunity.