ASSUMABLE FHA LOAN AT 2.75%. Call agent for more information. If you've been waiting for the perfect Northern Neck waterfront lifestyle without the waterfront price tag, this is the opportunity you've been searching for. Offered at just $450,000, this beautifully updated 2,288-square-foot home is one of the best values currently available in Stratford Harbour, one of Montross, Virginia's premier waterfront communities on the Potomac River. Situated on a shaded lot overlooking the Potomac River, this 4-bedroom, 2-bath home blends timeless character with extensive recent renovations, allowing you to enjoy peace of mind along with breathtaking water views. In 2025, the home underwent significant improvements including fully remodeled bathrooms, new flooring throughout, new front picture windows, exterior siding repairs and fresh paint, new upstairs electrical and plumbing, a freshly painted basement, and a brand-new deck designed for outdoor entertaining. In 2026, new gutters were installed, further enhancing the home's value and curb appeal. Inside, you'll find rich tile flooring, an upgraded kitchen, a formal dining room, a cozy fireplace, an expansive sunroom filled with natural light, and a spacious primary suite complete with its own private balcony overlooking the water. Large windows throughout the home frame spectacular Potomac River views, unforgettable sunsets, and the natural beauty that has made Virginia's Northern Neck one of the region's most desirable waterfront destinations. Step outside onto the new deck and enjoy a setting designed for entertaining family and friends, relaxing with your morning coffee, or simply watching boats cruise the Potomac while bald eagles soar overhead. Living in Stratford Harbour means you're not just purchasing a home-you're investing in an exceptional waterfront lifestyle. Residents enjoy exclusive access to: o Private Shark Tooth Beach along the Potomac River o 110-acre freshwater lake for boating, fishing, and kayaking o Community swimming pool o Clubhouse o Tennis and pickleball courts o Playground o Year-round community events and activities Whether you're searching for a primary residence, vacation home, weekend getaway, retirement retreat, or investment property, this home delivers exceptional value in one of Westmoreland County's most sought-after waterfront communities. Finding a home offering Potomac River views, over 2,200 square feet of living space, extensive recent renovations, resort-style amenities, and this level of affordability is becoming increasingly rare. Conveniently located near historic Montross, Stratford Hall, Colonial Beach, Tappahannock, and within an easy drive of Fredericksburg, Richmond, Northern Virginia, and the Washington, D.C. metropolitan area, this property offers the perfect combination of peaceful waterfront living and convenient accessibility. 1387 N. Independence Drive represents an outstanding opportunity to own more home, more updates, more amenities, and more lifestyle for your investment than many competing properties in today's market. Don't miss one of the best values currently available in Stratford Harbour. Schedule your private showing today and discover why this beautifully updated Potomac River view home is the opportunity buyers have been waiting for.