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109 Bancroft Ave , Colonial Beach, VA 22443
$365,000
Est. Payment: $1,912.19/mo
2 Bed
1 Bath
1000 Sqft
0.13 Acres
Status: active | Days on site: 220
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CBE7 - 3086376,3097783
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House Description

Turn-Key Cottage Living on The Point – Just Two Blocks from the Water Life on The Point is all about being close to the water, hopping on the golf cart, and enjoying the laid-back rhythm that makes Colonial Beach so special. This fully furnished 2-bedroom cottage puts you right in the middle of it all—just two blocks from the Potomac River and two blocks from Monroe Bay. Step inside and you’ll find a home that feels welcoming, comfortable, and surprisingly spacious. A front room with a charming bay window currently serves as an office but easily doubles as a cozy reading nook, morning coffee spot, or flexible bonus space. The living room flows naturally into the kitchen, creating an easy layout for everyday living, while the separate dining room offers the perfect place to gather for meals with friends and family. The primary bedroom features a custom closet system designed for smart organization, while the second bedroom includes a built-in pop-up desk, ideal for working remotely, hobbies, or study space. The updated bathroom includes a walk-in shower and modern vanity. Outside is where this home truly shines. The back deck is perfect for enjoying the coastal breeze, while the fenced yard offers multiple outdoor spaces to relax and entertain—including two patios, a firepit area, and low-maintenance stone landscaping that lets you spend more time enjoying the beach town lifestyle and less time on yard work. Located in a golf-cart friendly neighborhood, you’re just minutes from the beaches, boardwalk, restaurants, boutiques, and waterfront sunsets that make Colonial Beach such a special place to call home.. Whether you're looking for a weekend escape, full-time home, or investment opportunity, this furnished cottage offers the perfect blend of charm, flexibility, and location.

Highlights

Listed by Jessica L Anthony , 8047612584 and Eric Nelson , 2022716050 Coldwell Banker Elite , 5404694300. Bright MLS

Property Type

Residential

Lot/Acreage
0.13

Year Built

1920

County

Westmoreland

Neighborhood

The Point

School District

Colonial Beach Public Schools

Listing ID

VAWE2010744

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:1
  • ▪ Full Bathrooms:1
Appliances:Dishwasher, Disposal, Refrigerator, Stainless Steel Appliances, Stove, Washer, Dryer
Air Cond:Central A/C
Fireplaces:
Above Ground Sq Ft:1000
Other:
  • ▪ Main Floor Bedrooms:2
  • ▪ Additional:Ceiling Fan(s), Combination Kitchen/Dining, Entry Level Bedroom, Kitchen - Table Space, Bathroom - Stall Shower
Water:Public

Exterior Features

Lot:Landscaping,Rear Yard,Not New Construction,Horse Property: No,In City Limits
Zoning:RESIDENTIAL
Roof:Composite,Shingle
Sewer:Public Sewer
Parking Features:Gravel Driveway,Driveway
Principal Interest
$1,912
Taxes
$85

Home Price

$365,000

Loan Details

30 yrs
6.844%

Down Payment

20%
$73,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$1,912.19

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,912.19 $85.42 $0.00 $1,997.60
Yearly $22,946.25 $1,025.00 $0.00 $23,971.25
Total $688,387.53 $30,750.00 $0.00 $719,137.53
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Colonial Beach, VA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bright MLS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-11-13T17:14:43.000Z

© 2026 Bright MLS