Southern Living Bay Cottage on Harvey's Creek with incredible Bay and water views with all the charm you could ever desire. Picture perfect point lot with 700ft+ feet of waterfrontage Bay and wildlife views, sand beach, tidal pond, beautifully landscaped grounds. Open living/kitchen with fireplace, cozy family/media room, 2 bedrooms & bath on main level and 3rd bedroom with bath, laundry room and office loft on 2nd level. Cottage is connected by two covered porches to a 2 car oversized garage with outdoor steps from porch up to guest quarters with 4th bedroom with bath. Enjoy the outside grilling deck off the cottage family room. Additional land features include detached playhouse. Perfect place for kids overlooking the water. Outside features include firepit, fantastic water views in all directions, waterside lounging area, great dock, two lifts, water and electricity, plus room for all the water toys and fishing gear. This is a river compound designed for just you or all your family & friends. Beautiful privacy, great community, etc. There is a controlling depth at mouth of Harvey's Creek but accommodates most size power boats. 2.05 acres of privacy in a sought-after community. Features: 5 bedrooms, 4 baths, bulkhead shoreline, conditioned crawl space, generator, sand beach, dock and 15 minutes to Kilmarnock, Country club and all the area's special features. Perfect primary or second home. Home is being sold furnished except for some personal items. A list is available. Make an appointment to visit this ideal waterfront property.
Single-familyProperty Type
1999Year Built
2.05 acresLot Size
$514Price/Sq.Ft.
$30/moHOA Dues
2 car garageParking
Listed by Sandra Hargett• Liz Moore & Associates
Bought with Jessica Bell• IsaBell K. Horsley Real Estate
Bought with Hilary Scott• IsaBell K. Horsley Real Estate
Est. $2,493 per month, based on comparable rentals
Sale and tax history for 1513 Harding Rd
Sale History
Tax History
Date
Event
Price
CBRAR #202600825
Aug 27, 2026
Sold
$1,315,000
$514/sq ft
Aug 4, 2026
Pending
—
May 15, 2026
Listed
$1,349,000
$527/sq ft
NNAR #120420
Aug 27, 2026
Sold
$1,315,000
$514/sq ft
Jul 29, 2026
Contingent
—
May 26, 2026
Relisted
—
May 16, 2026
Contingent
—
May 14, 2026
Listed
$1,349,000
$527/sq ft
+37
Southern Living Bay Cottage on Harvey's Creek with incredible Bay and water views with all the charm you could ever desire. Picture perfect point lot with 700ft+ feet of waterfrontage Bay and wildlife views, sand beach, tidal pond, beautifully landscaped grounds. Open living/kitchen with fireplace, cozy family/media room, 2 bedrooms & bath on main level and 3rd bedroom with bath, laundry room and office loft on 2nd level. Cottage is connected by two covered porches to a 2 car oversized garage with outdoor steps from porch up to guest quarters with 4th bedroom with bath. Enjoy the outside grilling deck off the cottage family room. Additional land features include detached playhouse with downstairs game/media area and upstairs kids sleep out over game room. Outside features include firepit, fantastic water views in all directions, waterside lounging area, great dock, two lifts, water and electricity, plus room for all the water toys and fishing gear. This is a river compound designed for just you or all your family & friends. Beautiful privacy, great community, etc. There is a controlling depth at mouth of Harvey's Creek but accommodates most size power boats. 2.05 acres of privacy in a sought-after community. Features: 4 bedrooms, 4 baths, bulkhead shoreline, conditioned crawl space, generator, sand beach, dock and 15 minutes to Kilmarnock, Country club and all the area's special features. Perfect primary or second home. Home is being sold furnished except for some personal items. A list is available. Make an appointment to visit this ideal waterfront property.
Cooling: Ceiling Fan(s), Central Air, Electric, Heat Pump
Has Heating
Heating: Electric, Forced Air, Heat Pump
Interior Features
Interior Features: Ceiling Fan(s), High Ceilings
Window Features: Storm Window(s)
Appliances: Cooktop, Dryer, Dishwasher, Electric Water Heater, Microwave, Oven, Refrigerator, Washer
Flooring: Tile, Wood
Has Fireplace
# of Fireplaces: 1
Fireplace Features: Gas
Room Information
# of Rooms Total: 9
Laundry Features: Washer Hookup
Basement Details: Crawl Space
Exterior
Exterior Features
Exterior Features: Dock
Patio And Porch Features: Deck, Porch, Wrap Around
Door Features: Storm Door(s)
Fencing: None
Roof: Composition
Pool Information
Pool Features: None
Building Information
Above Grade Finished Area: 2,558
Levels: Two
# of Stories Total: 2
Construction Materials: Other, Wood Siding
Property Features
On Waterfront
Waterfront Features: Beach Front, Creek, Waterfront
Other Equipment: Generator
Other Structures: Guest House
Property Information
Property Type: Residential
Property Sub Type: Single Family Residence
Raw Mls Property Sub Type: SingleFamilyResidence
Lot Information
Lot Features: Waterfront
Frontage Length: 790.0000
Water Body Name: Harveys Creek
Lot Size : 2.05
Lot Size Area: 2.05
Lot Size Units: Acres
Lot Size Acres: 2.05
Financial
Tax Information
Tax Annual Amount: $4,107
Utilities
Utility Information
Water Source: Well
Sewer: Septic Tank
Location
HOA Information
Has Homeowners Association
Association Fee: $360
Association Fee Frequency: Annually
Derived Association Fee (Monthly): $30
Schools Information
Elementary School: Northumberland
Middle Or Junior School: Northumberland
High School: Northumberland
Location Information
Directions: From Kilmarnock take 200 toward Wicomico Church, turn right on Remo Road, turn right on Harding Road, left on 668 Harmony Hall Farm Road and follow to house number 1513 on Left.
Subdivision Name: Harmony Hall Farm
Public facts
Beds: —
Baths: —
Sq. Ft.: —
Stories: —
Lot Size: 2.05 acres
Style: Single Family Residential
Year Built: —
Year Renovated: —
County: Northumberland County
APN: 44-0-6-0-23-0
Home facts updated by county records on Oct 5, 2026
Other
Listing Information
List AOR: ChesapeakeBayAreaMls
Around this home
Schools
Northumberland Elementary School
Public PreK-5 • Assigned • 10.2mi
6/10
Northumberland Middle School
Public 6-8 • Assigned • 10.5mi
5/10
Northumberland High School
Public 9-12 • Assigned • 10.4mi
5/10
Provided by GreatSchools
Climate risks
7/10 Flood Factor
Estimated 80%+ chance of a flood reaching the building in the next 30 years
2/10 Fire Factor
0.00% chance of being in a wildfire in next 30 years
9/10 Heat Factor
7 days above 103° expected this year, 18 days in 30 years
8/10 Wind Factor
80% 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
Heathsville, VA • 22473
Average low and high temperatures (°F)
42
28
46
32
63
43
71
52
74
59
85
69
88
74
80
67
77
64
69
53
60
44
47
32
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
91/ 100
Exceptional sunlight
Sunscore
There appears to be minimal shading by surrounding buildings, terrain, and vegetation.