635 River Oaks Road
Center Cross, VA, 22437
$395,000
- 3beds
- 2baths
- 1,232sq ft
- 0.52acres
- 1979year built
- $125HOA / mo
- 136days on market
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How we figured this
ZERO Closing Costs covers origination $1,300, appraisal $500, title & settlement $1,220, owner’s title insurance $1,909 and credit, flood & data fees $160, priced for Essex, VA with 20% down. The Realty Purchase Credit is 0.5% of the price when you buy with a CapCenter REALTOR® and finance with us, up to 3% of the price less $5,000. The 1% List fee applies when you buy and sell with us within a year (1.5% to list only, $3,000 minimum), compared with a typical 3%. Government taxes and recording fees are not included. Restrictions apply.
Stephany Lopez, REALTOR®
Your CapCenter agent · (804) 836-5401
Questions? Call (804) 648-4357
About this home
- First-floor primary
- Fireplace
- Attached garage
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!
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Location
Property details
Important details
- Status
- Active
- Date listed
- 6/22/2026
- Time on Market
- 136 days
- Property Type
- Single Family Residence
- List Price
- $395,000
- Price/Sq. Ft
- $321
- Living area
- 1,232 sq. feet
- Lot Size
- 0.52 acres
- Year Built
- 1979
- County
- Essex
- Community
- River Oaks
- HOA
- $125/month
Interior details
- Bathrooms
- 2 Full
- Basement
- Crawl Space
- Fireplace
- Yes (1) - Masonry
- Heating
- Baseboard, Electric
- Cooling
- Window Unit(s), Ceiling Fan(s)
- Rooms
- 5 Total, 3 Bedrooms
- Appliances
- Cooktop, Dishwasher, Electric Water Heater, Refrigerator
- Interior Features
- Ceiling Fan(s), Eat-in Kitchen, Laminate Counters, Master Downstairs
Building & lot
Building
- Architectural Style
- Ranch
- Stories
- 1
- Living Area
- 1,232 sq ft
- Property Type
- Single Family Residence
- Year Built
- 1979
- Construction
- Block, Frame, Vinyl Siding
Lot Info
- Lot Size
- 0.52 acres
- Parcel Number
- 54B-3-B-1
Exterior Features
- Exterior Features
- Storage
- Pool
- No
Parking
- Parking Features
- Attached, Garage
- Garage
- Yes (Attached)
Ownership
- Ownership
- Estate
Community details
School Districts
- Elementary
- Essex
- Middle
- Essex
- High
- Essex
Utilities
- Sewer
- Septic Tank
- Water
- Well
Neighborhood
- Subdivision
- River Oaks
- HOA
- $125/month
Taxes & Assessment
- Tax Assessed Value
- $232,200
- Annual Tax
- $1,277
- Tax Year
- 2025
Listing information
Realty Agent
Listing Details
- Service
- Full Service
- MLS System
- CVRMLS
- MLS ID
- 2617029
- MLS Status
- Active
Listed by: Hometown Realty · (804) 747-9933
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All or a portion of the Listing Content is provided by the Central Virginia Regional MLS, LLC, from a copyrighted compilation of Listings. All CVR MLS information provided is deemed reliable but is not guaranteed accurate. The compilation of Listings and each individual Listing are ©2026 Central Virginia Regional MLS, LLC. All rights reserved. IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.