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White Stone › WHITE STONE › 687 Clark Point Dr✓ Source: REIN MLS #10657288 · record updated Oct 9, 2026 · synced every 2 min · your inquiry is never resold
687 Clark Point DR, WHITE STONE VA 22578 - Main photo
687 Clark Point DR, WHITE STONE VA 22578 - Photo 2
687 Clark Point DR, WHITE STONE VA 22578 - Photo 3
687 Clark Point DR, WHITE STONE VA 22578 - Photo 4
687 Clark Point DR, WHITE STONE VA 22578 - Photo 5
4beds
3.1baths
3,001sqft
0days on market

687 Clark Point Dr, White Stone, VA 22578

New ListingResidential · built 1974 · WHITE STONE

Chapter · The Water

Life on the water

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

Frontage

Waterfront ✓ VERIFIED

Dock

Dock

Source: REIN MLS listing record · waterfront features as listed

Facts & features

Type

Residential

Year built

1974

Price / sqft

$516

HOA

None

Taxes

$5,223/yr

County

Lancaster County VA

Waterfront

Yes

MLS #

10657288

Interior

Bedrooms
4
Full baths
3
Half baths
1
Approx. sqft
3,001
Stories
2
Flooring
Laminate/LVP, Vinyl
Ensuite bedrooms
2
First-floor bed & full bath
Yes
Total rooms
12
Other rooms
1st Floor BR, 1st Floor Primary BR, Balcony, Loft, Screened Porch
Appliances
Dishwasher, Microwave, Refrigerator, Washer

Construction & exterior

Style
Contemp
Subtype
Detached
Foundation
Other
Roof
Composite
Exterior
Stone,Wood
Pool
No Pool
Waterfront
Dock
Deep-water access
Yes

Utilities & systems

Heating
Electric, Heat Pump
Cooling
Central Air
Water heater
Electric
Water
City/County
Sewer
City/County

Lot, parking & ownership

Subdivision
WHITE STONE
Ownership
Fee Simple
Garage
Yes
Parking
Garage Det 1 Car, Carport
Possession
SETTLEMENT
Disclosures
Disclosure Statement

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

About this home

Rare waterfront opportunity on the Chesapeake Bay in the heart of Virginia's Northern Neck. This fully renovated contemporary residence sits on 2 private acres with sweeping water views, a private dock, and a beach-inspired sandy fire-pit area— for kayaking, entertaining, and watching unforgettable sunrises and sunsets. The home features an open-concept design with soaring ceilings, extensive glass, and seamless indoor-outdoor living. The chef's kitchen showcases custom cabinetry, high-end quartz counters, and premium GE Cafe; appliances. Large-format porcelain floors with radiant heat, updated bathrooms, a dramatic glass staircase, loft, screened porch, and multiple outdoor living spaces complete the package. Major systems have been upgraded, including new HVAC, electrical, plumbing, and spray-foam insulation. Enjoy 4 bedrooms (including a first-floor primary), 3.5 baths, and exceptional natural light throughout. A true private retreat where modern luxury meets the tranquility of the Bay.

Listing courtesy of Eva Fisher · 1st Class Real Estate Flagship · REIN MLS #10657288

Tom & Dariya's overview

Our read on this home

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

At a glance

Four-bedroom, three-bath home on Clark Point Drive in White Stone offers 3,001 square feet of living space. Built in 1974, this residential property sits on the Northern Neck with water-access potential. It's a solid foundation for anyone exploring homes for sale in Virginia.

Read the full overview ↓

Why this home stands out

The home spans three full floors with thoughtful layout across 3,001 square feet. Three full bathrooms plus a half bath serve the four bedrooms well. Built in the mid-1970s, the structure reflects that era's solid construction. The Clark Point location puts you near the water's edge of the Northern Neck. Waterfront or water-access living appeals to those seeking a quieter pace away from urban centers.

About the White Stone real estate market

White Stone sits on Virginia's Northern Neck, a peninsula bounded by the Rappahannock and Potomac Rivers. The area is known for its rural character, water access, and slower pace of life. Homes here tend to sit on larger lots with genuine privacy. The community draws people who value waterfront living and outdoor recreation. Getting around means driving—there's no public transit, but that's typical for the region. The nearest substantial shopping and services are in Kilmarnock, about 15 minutes away. For anyone comparing homes for sale in Virginia, the Northern Neck offers a distinct lifestyle: quieter than Hampton Roads, closer to Richmond, and deeply connected to the water.

What's nearby

Kilmarnock is the closest town center, roughly 15 minutes south, with groceries, dining, and local services. The Rappahannock River offers boating, fishing, and water recreation right from the neighborhood. Several public boat launches and water-access parks dot the Northern Neck shoreline. Westmoreland State Park lies about 20 minutes away and features hiking trails and river views. Local restaurants and antique shops cluster in Kilmarnock's small downtown.

For different buyers

Base commute and VA loan notes

Camp Peary lies about 57 minutes south. While not a daily commute for most, the distance works for those with flexible schedules or weekend-only duty. VA loan financing is widely available in the region. This property offers a quiet home base for those seeking distance from base operations.

Room to grow

Four bedrooms and three full baths give you room to spread out across 3,001 square feet. The multi-level layout creates natural separation between living spaces and sleeping areas. Larger lots throughout White Stone mean genuine outdoor space for recreation and privacy. Storage and workshop potential suit those who enjoy projects or hobbies.

More buyer questions

How far is 687 Clark Point Drive from Camp Peary?

The property is approximately 57 minutes south of Camp Peary. It's a reasonable distance for those with flexible work arrangements or part-time base duties.

What is the water access like in White Stone?

The Northern Neck is surrounded by the Rappahannock and Potomac Rivers. Clark Point Drive's location offers proximity to water recreation and public boat launches.

What's the nearest grocery store or shopping?

Kilmarnock, roughly 15 minutes south, has groceries, dining, and retail. The town serves as the commercial hub for the Northern Neck area.

Is this a good area for boating and water activities?

Yes—the Northern Neck is defined by its rivers and water access. Public boat launches and parks throughout the region support fishing, boating, and riverside recreation.

How much land comes with the property?

White Stone properties typically sit on larger lots with genuine privacy and outdoor space. The Clark Point location emphasizes the area's rural, spacious character.

Ready to explore waterfront living on Virginia's Northern Neck? Contact Tom & Dariya Milan to tour 687 Clark Point Drive.

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

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

White Stone$1.3M – $1.8M4+ beds

By subscribing you agree to receive listing emails from Tom & Dariya Milan, Realtors, at most one a day. Unsubscribe anytime · Privacy PolicyBrokered by LPT Realty

Schools

VaHome School Score

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

  • ElementaryLancaster Primary
    —
  • MiddleLancaster Middle
    —
  • HighLancaster
    —

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 AE · base flood elevation 5 ft · Special Flood Hazard Area (flood insurance typically required) · FIRM 51103C

Flood Risk (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 51103C

High Risk

FEMA flood zone

AE (1% annual chance)

Base flood elevation

5 ft above sea level

Property elevation

4.5 ft above sea level

0.5 ft below BFE

USGS 3DEP digital elevation model

Special Flood Hazard Area — 1% annual chance of flooding. Federal flood insurance is required on most mortgages.

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.

Zone AE typically means lenders require flood insurance — factor it into the monthly numbers below.

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

Homes at this tier often trade in cash or portfolio financing — the calculator below shows a financed view; taxes are from the public record.

Estimate your monthly payment

$8,924/mo

Principal & interest

$8,037

Property tax

$435

Home insurance

$452

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

Judge value on real ground

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

Sale & Tax History

List Price

$1,549,000

Price / Sq Ft

$516

Annual Taxes

$5,223

Monthly Tax

$435

HOA

None

Tax Rate (effective)

0.34%

Sale Timeline (this listing)

EventDatePriceDetail
ListedOct 9, 2026$1,549,000—
Currently listed—$1,549,000—

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:

White Stone 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.

Market tempo

0 days on market — read it in context

Higher-priced homes market more slowly by nature: the buyer pool is smaller and diligence is heavier. Days-on-market at this tier is a rhythm, not a warning.

Questions buyers ask

Is 687 Clark Point Dr in a good school zone?+
The assigned zones on the listing record are Lancaster Primary, Lancaster Middle, Lancaster. School attendance zones can change — always confirm enrollment with the local school division.
Is 687 Clark Point Dr in a flood zone?+
FEMA maps this parcel in Zone AE with a base flood elevation of 5 ft — a high-risk flood band where lenders typically require flood insurance. See the flood section on this page for the full details and sources, and verify with an elevation certificate.
Is 687 Clark Point Dr a waterfront property?+
Yes. The listing record shows: Dock.
Does 687 Clark Point Dr have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 687 Clark Point Dr built?+
It was built in 1974, 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 · answer their own phone

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

Listing courtesy of Eva Fisher · 1st Class Real Estate Flagship · REIN MLS #10657288

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.

687 Clark Point Dr, White Stone — photo

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

Call or text (757) 777-7577

687 Clark Point Dr, White Stone, Virginia 22578 · MLS #10657288 · 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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