About This Home

This 3-bedroom, 2-bathroom single family at 635 River Oaks Road in Center Cross, VA is listed for $395,000 ($321 per sqft). Built in 1979, the home offers 1,232 sqft of living space on a 0.52 acres lot.

Key Features

  • Built in 1979
  • 0.52 acre lot
  • Fireplace

Property Details

1 story
2 full
1-car garage
1979

Amenities

FireplaceViewA/C
Listing Description

First Time Offering! Enjoy views of the beautiful Rappahannock River from this charming ranch home located in the sought-after River Oaks community of Center Cross. Offering 3 bedrooms, 2 full baths, and an attached one-car garage, this home is the perfect river retreat or full-time residence.

The welcoming full front porch sets the tone, providing the perfect place to enjoy your morning coffee while taking in the river scenery. Inside, the living room features a cozy brick fireplace and opens to the spacious eat-in kitchen. Sliding doors lead to the rear deck and patio, creating a seamless flow for indoor and outdoor entertaining.

The spacious primary bedroom includes a private full bath, while two additional bedrooms share a hall bath. Convenient garage access is located just off the kitchen, along with the washer and dryer hookups. Step outside to enjoy the large level backyard, rear deck, and patio, perfect for relaxing, entertaining, or gathering with family and friends.

Two large storage sheds/workshops offer plenty of space for hobbies, tools, and boating equipment. Recent improvements include a new roof (2020), 200-amp electrical service and a newly encapsulated conditioned crawl space complete with drainage, sump pump and dehumidifier, providing enhanced moisture control, energy efficiency, and peace of mind.

River views can be enjoyed from the front porch and many rooms throughout the home. River Oaks residents enjoy deeded access to community amenities, including a pier, boat ramp, beach, and pavilion, all just a short walk away. Conveniently located just minutes from Garretts Marina, this rare offering provides the perfect opportunity to enjoy the coveted Rappahannock River lifestyle. Don't miss your chance to own a water-view home with community water access in one of the area's most desirable riverfront neighborhoods!

Monthly Cost Estimate

$2,238/mo

20% down · 6.5% · 30 years

Principal$286
Interest$1,712
Insurance$115
HOA$125

Estimates only. Actual payments may vary.

Location

635 River Oaks Road

Center Cross, VA 22437

River Oaks

Features & Amenities

Interior Features

CeilingFansEatInKitchenFireplaceLaminateCountersMainLevelPrimary

Exterior Features

DeckOutBuildingsStorageShed

Property Details

Construction

Block Drywall Frame VinylSiding

Views

Water

Outdoor Features

PorchDeck

Parking

Garage

Heating

Electric (Heating)Baseboard

Cooling

Window Unit(s)

Appliances

DishwasherElectricWaterHeaterRefrigeratorStove

Questions & Answers

This 3-bedroom, 2-bathroom single family at 635 River Oaks Road is listed at $395,000 ($321/sqft). The estimated monthly payment is $2,237 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $125/month.

Key features include: Built in 1979, 0.52 acre lot, Fireplace. Interior Features: CeilingFans, EatInKitchen, Fireplace. Exterior Features: Deck, OutBuildings, Storage.

This property is listed by Pam Wood.

PW

Pam Wood

License 0225075669

Agent at Hometown Realty Services

Listed by Hometown Realty Services · Broker phone: (804) 249-6711 · View on Broker Site · Broker website

MLS# 2617029· Source: Central Virginia Regional Multiple Listing Service· 129 days on PropertySimple

Copyright © 2026 Central Virginia Regional Multiple Listing Service. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

635 River Oaks Road, Center Cross, VA 22437

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