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✓ Source: REIN MLS #10657076 · record updated Oct 19, 2026 · synced every 2 min · your inquiry is never resold
3445 Ridge RD, CALLAO VA 22435 - Main photo
3445 Ridge RD, CALLAO VA 22435 - Photo 2
3445 Ridge RD, CALLAO VA 22435 - Photo 3
3445 Ridge RD, CALLAO VA 22435 - Photo 4
3445 Ridge RD, CALLAO VA 22435 - Photo 5
3beds
2baths
1,456sqft
7days on market

3445 Ridge Rd, Callao, VA 22435

Under ContractResidential · built 1993 · ALL OTHERS VA AREA 51

About this home

Welcome to 3445 Ridge Road! This freshly updated 3-bedroom, 2-bath rancher sits on a beautiful 1.52-acre lot in Callao, giving you room to spread out and enjoy that relaxed Northern Neck lifestyle. Inside, the home has fresh paint throughout, durable luxury vinyl plank flooring, and crown molding. The kitchen is the standout, with professionally painted cabinetry, new granite countertops, a stainless refrigerator, and a breakfast bar that opens to the dining area. The spacious living room has plenty of space for gathering and entertaining. The primary bedroom has its own private bath with a double vanity, and both baths have new vanities. Two more bedrooms each come with a walk-in closet. Exit out back to the 20' x 11' screened porch with ceiling fan, a great spot for morning coffee or evening get-togethers. The ramp entry makes for easy access. A detached 2-car garage gives you room for vehicles, a workshop, or extra storage. One-level living, a big yard, and move-in ready updates. Come see it today!

Listing courtesy of Marivi Garrison · Coldwell Banker Traditions LLC · REIN MLS #10657076

Facts & features

Type

Residential

Year built

1993

Price / sqft

$199

HOA

None

Taxes

$1,166/yr

County

Northumberland County VA

MLS #

10657076

Interior

Bedrooms
3
Full baths
2
Approx. sqft
1,456
Stories
1
Flooring
Laminate/LVP
Ensuite bedrooms
1
First-floor bed & full bath
Yes
Total rooms
6
Other rooms
Porch
Appliances
Dishwasher, Dryer, Range, Refrigerator, Washer
Accessibility
Handicap Access

Construction & exterior

Style
Ranch
Subtype
Detached
Foundation
Crawl
Roof
Asphalt Shingle
Exterior
Vinyl
Pool
No Pool

Utilities & systems

Heating
Forced Hot Air, Propane Gas
Cooling
Heat Pump
Water heater
Electric
Water
Well
Sewer
Septic

Lot, parking & ownership

Subdivision
ALL OTHERS VA AREA 51
Zoning
A-1
Ownership
Fee Simple
Garage
Yes
Parking
Garage Det 2 Car, Driveway Spc
Possession
AT SETTLEMENT
Disclosures
Disclosure Statement

Sources: REIN MLS record

Tom & Dariya's overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · Brokered by LPT Realty

At a glance

3445 Ridge Road sits in Callao, Virginia — a quiet corner of Northumberland County on the Northern Neck peninsula. This three-bedroom, two-bath home was built in 1993 and offers 1,456 square feet of single-story living. The pace here is unhurried, and the landscape is genuinely rural.

Read the full overview ↓

Why this home stands out

What sets 3445 Ridge Road apart is its setting. The Northern Neck is one of Virginia's most scenic and least-crowded peninsulas, tucked between the Potomac and Rappahannock rivers. A home this size on a rural Northumberland County parcel gives you room to breathe without the density of a subdivision. Three bedrooms and two full baths in a 1993-built layout means the floor plan is practical and livable from day one.

ALL OTHERS VA AREA 51 and the Callao real estate market

Callao is a small community in Northumberland County, Virginia, sitting near the heart of the Northern Neck. The streets here are lined with mature trees and open land. Housing is a mix of older farmhouses, mid-century ranches, and homes built in the 1990s like this one. There are no traffic jams, no crowded sidewalks, and no noise beyond what nature provides. Northumberland County itself covers the lower portion of the Northern Neck peninsula. The county seat is Heathsville, just a short drive away. Residents here value self-sufficiency and a close connection to the land and water. Getting around the Northern Neck means driving — this is not a walkable area by design. Route 360 is the main artery connecting Callao to the rest of the region. Anyone comparing homes for sale in Callao, Virginia will notice that properties here offer a scale of privacy and quiet that is simply not available closer to Hampton Roads.

What's nearby

Day-to-day errands require a short drive, which is simply part of life on the Northern Neck. The Northern Neck Athletic Center is just half a mile away — an easy trip for a morning workout or an evening class. Heathsville offers grocery options, hardware stores, and local dining within a reasonable drive. The Potomac River and Chesapeake Bay access points are a genuine draw for anyone who loves fishing, boating, or waterfront scenery. Kilmarnock, about 20 minutes south, adds more dining and retail variety to the mix.

For different buyers

For first-time buyers

Three bedrooms and two full baths in a 1993-built home gives you a solid, functional layout without the complications of a fixer-upper. The rural Northumberland County setting means land and space come at a scale that is hard to match closer to urban centers. For anyone stepping into homeownership, 3445 Ridge Road offers a clear and straightforward starting point on the Northern Neck.

For buyers drawn to character

The Northern Neck has a character all its own — rivers, farmland, small towns, and a pace of life that feels genuinely removed from the suburban sprawl of coastal Virginia. A 1993-built home in Callao puts you inside that world without the upkeep demands of a historic property. Buyers who want somewhere that feels like a real place, not a development, tend to find the Northern Neck hard to leave once they've visited.

More buyer questions

How far is 3445 Ridge Road from Camp Peary?

Camp Peary is approximately 87 minutes from 3445 Ridge Road. The drive follows Route 360 west and then connects through the greater Middle Peninsula region.

What county is 3445 Ridge Road in?

3445 Ridge Road is located in Northumberland County, Virginia. Northumberland County covers the lower portion of the Northern Neck peninsula between the Potomac and Rappahannock rivers.

Is 3445 Ridge Road in a flood zone?

Flood zone information for this property is covered in the FloodRisk tile on this page. Review that section for the most current FEMA designation.

What is the lot like at 3445 Ridge Road?

The property sits in a rural Northumberland County setting with the open, low-density character typical of the Northern Neck. Specific lot dimensions are listed in the property details above.

How close is 3445 Ridge Road to Kilmarnock?

Kilmarnock is roughly 20 minutes south of Callao along Route 360. It is the Northern Neck's largest retail and dining hub for residents in this area.

Want to see 3445 Ridge Road in person? Tom and Dariya Milan can arrange a showing and answer every question about life on the Northern Neck.

Summary generated by AI from public records and publicly available information.

How Far Is?

Driving distance by road and typical drive time via Google Maps, to the nearest location of each.

Also nearby

Distances are straight-line (as the crow flies) from this property, not driving miles. Places within ~1 mile, nearest first. Powered by Google Places.

Homes like this one sell fast — see the next one first

Callao$245K – $335K3+ beds

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Schools

VaHome School Score

Our own 1–10 rating, scored from Virginia Department of Education data.

  • ElementaryNorthumberland Elementary
    —
  • MiddleNorthumberland Middle
    —
  • HighNorthumberland
    —

VaHome School Score — calculated by VaHome.com from Virginia Department of Education assessment, progress, and attendance data. Attendance zones come from the MLS listing record; confirm the current zone with the school division before making an offer.

Flood & environment

FEMA flood zone X · outside the high-risk area · FIRM 51133C

Flood Risk (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 51133C

Low / Moderate Risk

FEMA flood zone

X (low to moderate risk)

Base flood elevation

Not applicable in low-risk zones

Zone X is outside the Special Flood Hazard Area; FEMA doesn\u2019t define a BFE here.

Property elevation

144 ft above sea level

USGS 3DEP digital elevation model

Outside the high-risk Special Flood Hazard Area. Federal flood insurance is NOT required, though optional preferred-rate NFIP coverage is still worth considering in coastal Hampton Roads.

Data sources: Flood zone and base flood elevation come from FEMA\u2019s National Flood Hazard Layer. Property elevation is sampled from a single point on the parcel using the USGS National Map elevation service \u2014 actual elevations across a single property can vary by several feet higher or lower than the figure shown. Use these numbers as a starting reference and do your own due diligence (a professional survey or elevation certificate) before relying on them for any financial, insurance, or construction decision.

Hurricane Evacuation Zone

Not in a designated hurricane evacuation zone.

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

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

Payment Calculator

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

$1,686/mo

Principal & interest

$1,504

Property tax

$97

Home insurance

$85

PMI

None

HOA/Condo (paid separately)

None

Estimate only. Association (HOA/condo) fees are paid separately and are not included in the payment above. 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

Comparables

Own a home nearby? See what it is worth today — What's your Callao home worth?

Sale & Tax History

List Price

$289,900

Price / Sq Ft

$199

Annual Taxes

$1,166

Monthly Tax

$97

HOA

None

Tax Rate (effective)

0.40%

Sale Timeline (this listing)

EventDatePriceDetail
ListedOct 12, 2026$289,900—
Currently listed—$289,900—

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:

Callao 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

Is 3445 Ridge Rd in a good school zone?+
The assigned zones on the listing record are Northumberland Elementary, Northumberland Middle, Northumberland. School attendance zones can change — always confirm enrollment with the local school division.
Is 3445 Ridge 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.
Does 3445 Ridge Rd have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 3445 Ridge Rd built?+
It was built in 1993, 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

Brokered by LPT Realty · Hampton Roads

Listing courtesy of Marivi Garrison · Coldwell Banker Traditions LLC · REIN MLS #10657076

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.

3445 Ridge Rd, Callao — photo

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

Call or text (757) 777-7577

3445 Ridge Rd, Callao, Virginia 22435 · MLS #10657076 · 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.

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