Waterfront living on the Eastern Shore of Virginia offers stunning views, a relaxed lifestyle, and direct access to the Chesapeake Bay—but it’s not without its challenges. Buying waterfront property here comes with unique considerations, from zoning rules to erosion concerns.
Whether you’re dreaming of a vacation home in Cape Charles or a full-time residence near the water, make sure you avoid these common (and costly) mistakes.
🏡 Looking for available waterfront properties? Browse our listings or contact an agent who knows the area inside and out.
1. Ignoring Flood Zones and Insurance Costs on the Eastern Shore
Many waterfront homes on the Eastern Shore of Virginia fall within FEMA-designated flood zones, which can lead to higher insurance premiums.
👉 Pro Tip: Use the FEMA Flood Map Service Center to check the property’s flood risk. Then, talk to a local insurance agent familiar with coastal policies.
2. Not Checking Shoreline Conditions or Erosion History
Coastal erosion is a real issue across Virginia’s Eastern Shore. Buying a property without checking for erosion can lead to unexpected loss of land or costly shoreline reinforcement.
Ask about existing protection like bulkheads or living shorelines, and whether any permits were required.
3. Skipping Research on Zoning and Building Restrictions
The Eastern Shore has unique environmental and zoning restrictions. Don’t assume you can renovate, expand, or build a dock without running into permitting issues.
4. Skipping Coastal Property Inspections
Homes near saltwater are prone to different issues than inland properties—like rust, mold, or hidden water damage. Make sure your inspector has experience with waterfront homes.
5. Overlooking Year-Round Accessibility and Infrastructure
Some homes along the Eastern Shore are located on roads that flood seasonally or lack proper drainage. This could affect your ability to access the property during storms or high tide.
6. Buying for the View, Not the Lifestyle You Want
Not all waterfront homes offer deepwater access, beaches, or the ability to moor a boat. Be sure the property matches how you plan to enjoy it—whether that’s fishing, kayaking, or just watching the sunset.
Want help finding the right fit? Meet our agents—we live and work right here on the Eastern Shore.
Ready to Buy Waterfront Property on the Eastern Shore of Virginia?
At Chesapeake Properties, we specialize in helping buyers navigate the ins and outs of the Eastern Shore of Virginia real estate market. Let’s make sure your waterfront dream is a smart, lasting investment.
📩 Get in touch today to schedule a showing or consultation.
