# 351 E Bay Drive, White Stone, VA 22578

> **TL;DR:** 2bd/1ba single family, $235,000 ($238/sqft), built 1974, 988 sqft.
> Fireplace, A/C. Est. $1,407/mo. Listed 189 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $235,000 |
| Price/sqft | $238 |
| Bedrooms | 2 |
| Bathrooms | 1 full |
| Square Feet | 988 |
| Year Built | 1974 |
| Lot Size | 12,632 sqft (0.29 acres) |
| Stories | 1 |
| Property Type | Single Family (Other) |
| Status | Pending |
| Days on Market | 189 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $1,188 |
| Estimated Insurance | $69 |
| HOA | $150 |
| **Total** | **$1,407** |

## Key Amenities

- Fireplace
- A/C

## Property Highlights

- Built in 1974
- 0.29 acre lot
- Fireplace

## Description

### Agent Description
Affordable Waterfront Cottage on Dymer Creek!! Enjoy relaxed coastal living in this Dymer Creek cottage just off the Chesapeake Bay. The property offers a private pier with 2-3' MLW (buyer to verify) in a protected cove, perfect for boating, fishing, or kayaking, yet moments from open waters. Inside, you'll find an open living room with a wood-burning fireplace, dining area off the kitchen, two bedrooms, a bonus guest area, and one bath, plus a spacious porch overlooking the waterfront for dining or unwinding by the creek. Recent updates include newer windows (4-5 years) and a roof under 10 years old. Located in a small waterfront community with minimal restrictions, owners benefit from a community very nice NEW BOAT RAMP, playground, clubhouse, and road maintenance for just $125 per year. Golf Cart Community! Appliances convey. Conveniently close to White Stone, Irvington, and Kilmarnock, this property offers an affordable opportunity to enjoy the waterfront lifestyle on beautiful Dymer Creek. *See Featured Sheet* **Sold as-is where is. Any home inspection is for informational purposes only.**

## Location

- **Address:** 351 E Bay Drive, White Stone, VA 22578
- **County:** Lancaster
- **Coordinates:** 37.6683775, -76.3611735
- **Google Maps:** https://www.google.com/maps?q=37.6683775,-76.3611735

## Virtual Tour & Media

- **Video Tour:** tour.usamls.net/351-E-Bay-Drive-White-Stone-VA-22578/unbranded

## Listing Agent

- **Name:** David & Katie Horsley Dew
- **Brokerage:** IsaBell K. Horsley Real Estate
- **Broker Phone:** (804) 758-2430
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/351-E-Bay-Dr_White-Stone_VA_22578_M57843-83772?f=listhub&s=NNARVA&m=120342&c=propsimple)

## Photos

![351 E Bay Drive - Photo 1](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f1099722502r.jpg)

![351 E Bay Drive - Photo 2](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f1302346338r.jpg)

![351 E Bay Drive - Photo 3](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f170175797r.jpg)

![351 E Bay Drive - Photo 4](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f889534475r.jpg)

![351 E Bay Drive - Photo 5](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f531604999r.jpg)

![351 E Bay Drive - Photo 6](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f1444766213r.jpg)

![351 E Bay Drive - Photo 7](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f2923801009r.jpg)

![351 E Bay Drive - Photo 8](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f1550474776r.jpg)

![351 E Bay Drive - Photo 9](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f4139661463r.jpg)

![351 E Bay Drive - Photo 10](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f1695833763r.jpg)

![351 E Bay Drive - Photo 11](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f2661179635r.jpg)

![351 E Bay Drive - Photo 12](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f1159512208r.jpg)

![351 E Bay Drive - Photo 13](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f3941937429r.jpg)

![351 E Bay Drive - Photo 14](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f786062520r.jpg)

![351 E Bay Drive - Photo 15](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f1109775721r.jpg)

![351 E Bay Drive - Photo 16](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f4191108878r.jpg)

![351 E Bay Drive - Photo 17](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f320247020r.jpg)

![351 E Bay Drive - Photo 18](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f1482058024r.jpg)

![351 E Bay Drive - Photo 19](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f1417362764r.jpg)

![351 E Bay Drive - Photo 20](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f3558622540r.jpg)

![351 E Bay Drive - Photo 21](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f2253569701r.jpg)

![351 E Bay Drive - Photo 22](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f3399980861r.jpg)

![351 E Bay Drive - Photo 23](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f3115398183r.jpg)

![351 E Bay Drive - Photo 24](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f2437126106r.jpg)

![351 E Bay Drive - Photo 25](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f1230446369r.jpg)

![351 E Bay Drive - Photo 26](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f2890794528r.jpg)

![351 E Bay Drive - Photo 27](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f1722551672r.jpg)

![351 E Bay Drive - Photo 28](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f289787713r.jpg)

![351 E Bay Drive - Photo 29](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f873593979r.jpg)

![351 E Bay Drive - Photo 30](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f1724798954r.jpg)

![351 E Bay Drive - Photo 31](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f1447239670r.jpg)

![351 E Bay Drive - Photo 32](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f322059051r.jpg)

![351 E Bay Drive - Photo 33](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f3467815402r.jpg)

![351 E Bay Drive - Photo 34](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f427999779r.jpg)

![351 E Bay Drive - Photo 35](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f913083956r.jpg)

![351 E Bay Drive - Photo 36](http://lh.rdcpix.com/a7a63b736e5e850589a4894d9de46971l-f482491844r.jpg)

---

**MLS#:** 120342 | **Updated:** 2026-10-25
**Source:** listhub

*Copyright © 2026 Northern Neck Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.ai/listing/351-e-bay-drive-white-stone-va-22578-37182c12fa064c57845e1398107d265e)

---

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      "name": "IsaBell K. Horsley Real Estate",
      "telephone": "(804) 758-2430"
    }
  }
}
```