South Hill Banks is a waterfront community in Essex County featuring a wide community sand beach with pier and boat ramp on the Rappahannock. 430 Pine Tree Road offers wonderful views of the River from the deck, family room or around the fire pit. The home features 3 bedrooms and two full baths as well as a large family room opening to the kitchen. There have been numerous renovations and upgrades including a new moisture barrier and dehumidifier in the crawl space (6-25), new roof (2023), HVAC (2025), water heater (2023). The property includes a shed with water and power and a second storage building/garage. Conveniently located only 50 minutes from Richmond, 20 minutes from Tappahannock or Urbanna and 10 minutes from Garrett's Marina. The county taxes the home as a 2 bedroom home but, the Health Department has it permitted for 3 bedrooms. The Community Association has a voluntary $125/year fee to cover up keep of the roads, pavilion, boat ramp and insurance. Move in Ready for the Summer.
Single-familyProperty Type
1968Year Built
0.26 acresLot Size
$304Price/Sq.Ft.
Listed by Jeff Brooks• Hometown Realty
Bought with Richard Heintze• Long & Foster REALTORS
Est. $2,421 per month, based on comparable rentals
Sale and tax history for 430 Pine Tree Rd
Sale History
Tax History
Date
Event
Price
NNAR #120180
Jun 5, 2026
Sold
$425,000
$304/sq ft
Apr 23, 2026
Pending
—
Mar 26, 2026
Listed
$445,000
$318/sq ft
+32
South Hill Banks is a waterfront community in Essex County featuring a wide community sand beach with pier and boat ramp on the Rappahannock. 430 Pine Tree Road offers wonderful views of the River from the deck, family room or around the fire pit. The home features 3 bedrooms and two full baths as well as a large family room opening to the kitchen. There have been numerous renovations and upgrades including a new moisture barrier and dehumidifier in the crawl space (6-25), new roof (2023), HVAC (2025), water heater (2023). The property includes a shed with water and power and a second storage building/garage. Conveniently located only 50 minutes from Richmond, 20 minutes from Tappahannock or Urbanna and 10 minutes from Garrett's Marina. The county taxes the home as a 2 bedroom home but, the Health Department has it permitted for 3 bedrooms. The Community Association has a voluntary $125/year fee to cover up keep of the roads, pavilion, boat ramp and insurance. Move in READY FOR THE SUMMER.
CVRMLS #2607347
Jun 5, 2026
Sold
$425,000
$304/sq ft
Apr 23, 2026
Pending
—
Mar 24, 2026
Listed
$445,000
$318/sq ft
REINMLS #10590397
Sep 30, 2025
Listing Removed
—
Jun 26, 2025
Listed
$448,000
$320/sq ft
NNAR #119038
Jul 2, 2025
Listed
$448,000
$320/sq ft
Year
Property tax
Land + Additions
Assessment*
2026
$984
$40,600 + $138,300
$178,900
2025
$984 (−13.5%)
$40,600 + $138,300
$178,900
2024
$1,137
$40,000 + $115,788
$155,788
2023
$1,137
$40,000 + $115,788
$155,788
2022
$1,137 (+23.8%)
$40,000 + $115,788
$155,788
2020
$918 (−2.3%)
$40,000 + $66,800
$106,800
2019
$940
$40,000 + $66,800
$106,800
2018
$939
$40,000 + $66,800
$106,800
2017
$940 (−2.9%)
$40,000 + $66,800
$106,800
2014
$968 (+23.8%)
$40,000 + $72,600
$112,600
2013
$782
$40,000 + $72,600
$112,600
Public record
Beds
2
Baths
2
Stories
—
Lot width
—
Lot depth
—
Lot size
0.26 Acres
Year renovated
1980
Sq. Ft.
1,140
Year built
1980
Style
Single Family Residential
County
Essex County
APN
54-A-5--72
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Jul 6, 2026.
Property details
Parking
Parking
Features: No Garage, Off Street
Interior
Virtual Tour
Bathroom Information
# of Full Bathrooms: 2
Room Information
# of Rooms (Total): 5
Basement Information: Crawl Space
Room 1 Information
Full Bath
Room 2 Information
Full Bath
Description: Tub & Shower
Level: First
Laundry Information
Features: Washer Hookup, Dryer Hookup, Stacked
Equipment
Appliances: Washer/Dryer Stacked, Dishwasher, Electric Cooking, Electric Water Heater, Microwave, Refrigerator, Smooth Cooktop
Water Heater: Electric
Interior Features
Window Features: Thermal Windows
Door Features: Insulated Doors
Flooring: Carpet, Laminate, Wood
Other Features: Bedroom on Main Level, Ceiling Fan(s), Dining Area, Eat-in Kitchen, Laminate Counters, Bath In Primary Bedroom, Main Level Primary
Exterior
Building Information
Stories: 1
Stories (Total): 1
Year Built Details: Actual
Roof Details: Composition
Construction Details: Block, Drywall, Frame, Vinyl Siding
Exterior Features
Exterior Features: Deck, Storage, Shed
Patio And Porch Features: Side Porch, Deck
Other Structures: Shed(s), Utility Building(s)
Land Information
Topography: Level
Lot Information
Lot Size Area: 0.2646
Lot Size Acres: 0.2646
Lot Size Dimensions: 130' X 100'
Lot Features: Level
Water Body Name: Rappahannock Rivver
Waterfront Features: River Front, Water Access, Walk to Water
Frontage Length Remarks: 0.0000
Property Information
Has View
Above Grade Finished Area: 1,400
Resale
Financial
Assessments and Fees
Assessed Value: $178,900
Tax Information
Annual Tax Amount: $983.96
Tax Year: 2025
Utilities
Utility Information
Sewer: Septic Tank
Water Source: Community/Coop, Shared Well
Heating & Cooling
Has Cooling
Cooling: Central Air
Has Heating
Heating: Electric, Heat Pump, Propane
Location
HOA Information
Association Fee Includes: Road Maintenance, Water Access
Community Information
Community Features: Beach, Boat Facilities, Dock
Public facts
Beds: 2
Baths: 2.0
Sq. Ft.: 1,140
Stories: —
Lot Size: 0.26 acres
Style: Single Family Residential
Year Built: 1980
Year Renovated: 1980
County: Essex County
APN: 54-A-5--72
Home facts updated by county records on Jul 6, 2026
Around this home
Schools
Essex Intermediate School
Public 5-8 • Assigned • 11.6mi
3/10
Essex High School
Public 9-12 • Assigned • 11.9mi
4/10
Provided by GreatSchools
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
1/10 Fire Factor
Unlikely to be in a wildfire in next 30 years
9/10 Heat Factor
7 days above 107° expected this year, 17 days in 30 years
6/10 Wind Factor
58% chance of strong winds in next 30 years
1/10 Air Factor
0 unhealthy days expected this year, 0 days in 30 years
Provided by First Street
Historical weather
Center Cross, VA • 22437
Average low and high temperatures (°F)
43
25
48
30
64
42
72
50
76
57
86
66
88
71
83
66
78
62
70
48
61
40
48
30
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
96/ 100
Exceptional sunlight
Sunscore
There appears to be minimal shading by surrounding buildings, terrain, and vegetation.
9.2 hrs
6.2 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$376,000 – $455,000
Sell confidently with a local market expert in Center Cross.