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65 Francis, Montross, VA 22520

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For Sale

$359,900

4 beds • 3 baths • 2,106 sqft

Estimated Payment

$ 1,954 /mo. †

6.67% APR for 30 yrs.
$1,225 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • 2006
    Year built

  • $170.89
    Price per square foot

  • Gas
    Fireplace Description

Explore this Property

SELLER HAS ADDED MORE VALUE TO THE HOME; DESIGNATED WALKWAY TO NEW FRONT DOOR, GRAVEL DRIVEWAY AND BACKSPLASH IN KITCHEN. MORE VALUE BUT NO ADDITIONAL COST ON THIS BEAUTIFUL SPACIOUS FOUR BEDROOM, THREE BATHS, CAPE COD LOCATED IN STRATFORD HARBOUR COMMUNITY. CLOSE TO LAKE INDEPENDENCE (WALKING DISTANCE) AND POTOMAC RIVER ACCESSIBILITY. MASTER BEDROOM HAS SPACIOUS WALK IN CLOSET AND MASTER BATH WITH SEPARATE SHOWER, SEPARATE GARDEN TUB AND DOUBLE SINK VANITY. THERE IS AN ADDITIONAL BEDROOM ON THE MAIN LEVEL WITH SEPARATE FULL BATH, LAUNDRY AREA, KITCHEN/DINING AREA AND LIVING ROOM WITH A GAS FIREPLACE FOR COZY NIGHTS. THERE IS A SPACIOUS DECK OFF THE DINING AREA AS WELL AS ACCESS FROM THE SIDE DRIVEWAY TO THE KITCHEN. UPSTAIRS YOU WILL FIND ANOTHER LARGE ENTERTAINMENT/FAMILY ROOM BETWEEN THE TWO BEDROOMS AS WELL AS A FULL BATH. THIS HOME WAS MADE FOR FAMILY BOTH OLDER CHILDREN AS WELL AS YOUNG TODDLERS THAT PARENTS WANT TO KEEP AN EYE ON OR FOR FAMILY/FRIENDS COMPANY THAT MIGHT ENJOY THEIR OWN SPACE WHEN VISITING.SELLER HAS ADDED NEW GRAVEL DRIVEWAY WITH ADDITIONAL WALKWAY TO FRONT DOOR. THIS ONE IS A GEM. COMMUNITY AMENITIES INCLUDE CLUBHOUSE, PICKEBALL AND TENNIS COURTS, TOT LOT, PAVILION, SWIMMING POOL, LAKE BEACH, SHARK TOOTH RIVER BEACH WHICH IS KNOWN FOR SHARK TOOTH HUNTING, AND MARINA AREA FOR THE POTOMAC. LAUNCH AREAS AVAILABLE FOR BOTH LAKE AND RIVER ACCESS.
MLS# VAWE2007906

Listed By CENTURY 21 New Millennium

Property Features

  • Body of Water
    River
  • Cooling
    Central A/C
  • Exterior Living Space
    Deck
  • Fireplace Description
    Gas
  • Heating Type
    Heat Pump, Other
  • Lot Size
    0.25 Acres
  • Sewer
    Septic
  • Style
    Cape Cod
  • Water
    Municipal Water

Map and Directions

Directions to 65 Francis, Montross, VA 22520

Home seller Meet the Agent,
Susan Johnson

Get to know the neighborhood. A local affiliated CENTURY 21 agent will help you set up tours, give advice, and negotiate with sellers.

Susan Johnson

of CENTURY 21 New Millennium

(804) 761-5094
Learn More About Me

Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $1,852
  • Property Taxes
    $102
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $1,954

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Washington District Elementary School

Grades PK-5 Public School

Colonial Beach, VA 22443 11.9 miles
454 oak grove rd

348 total students
13:1 Student teacher ratio

School Rating: B-

School Details

Montross Middle School

Grades 6-8 Public School

Montross, VA 22520 6.2 miles
8884 menokin rd

336 total students
11:1 Student teacher ratio

School Rating: B+

School Details

Washington & Lee High School

Grades 9-12 Public School

Montross, VA 22520 4.7 miles
16380 kings hwy

487 total students
14:1 Student teacher ratio

School Rating: D

School Details

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Montross, VA 22520

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Montross, VA 22520

This community’s employment is highest in the production occupations and administrative support industries. The area’s overall household expenses are below the national average.

88° July
Hottest Average Month
27° January
Coldest Average Month
2,387 Total Households in Area
1.1% Increase in population since the year 2010
19.4%
of households
have children
29 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Montross, VA 22520

Montross, VA 22520 has a population of 5,673 people in 2,387 households with a median age of 50.8 years old.

1.1%
Increase in population
since the year 2010
Population is Trending up
2,428
Total households as of 2010
1.4%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 50.8 years old. The smallest percentage group is 45-54 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 60%
Black 28%
Hispanic 7%
Other 4%
Asian <1%
Native American <1%
The most prevalent ethnicity is White at 60%, followed by Black at 28%, Hispanic at 7%, and Other at 4%.

Economics
for Montross, VA 22520

54 /sq mi
Population Density
$61,334 /yr
Median Household Income
$285,000
Median Sales Price
29 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is Under $15k representing 14.47% of the households.

Transportation to Work

  • Drive 84%
  • Work from Home 13%
  • Walk or Bike 3%
  • Public Transit 0%

Occupancy by Type

Owned 1,847 54%
Vacant 1,017 30%
Rented 540 16%

White vs Blue Collar Jobs







White Collar 73%
Blue Collar 27%

Family & Education Facts
for Montross, VA 22520

50.8 Median Age

Average Household Size

2.4
persons per
household

32.6%

Married Households

Community Population By Education

High School Graduate 34%
Some College 21%
Some High School 20%
Bachelors Degree 10%
Graduate Degree 8%
Associates Degree 7%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 34.46% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
19.4% of households have children

Weather
for Montross, VA 22520

The weather for this area ranges from a high of 88° F in July to a low of 27° F in January

88° July
Hottest Average Month
27° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
27°
46°
Feb
28°
48°
Mar
35°
57°
Apr
44°
68°
May
54°
77°
Jun
63°
84°
Jul
67°
88°
Aug
66°
86°
Sep
60°
80°
Oct
48°
70°
Nov
38°
59°
Dec
30°
49°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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