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Spanish Town
Spanish Town | Virgin Gorda

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Bernadette George
Bernadette George
Presented At
$1,900,000
Bedrooms
3
Bathrooms
3
Terrace
Garage
Garden
Gate
Pool
Water View
Waterfront
Oceanfront
Privacy
Panoramic / Scenic View
Spanish Town, Virgin Gorda, British Virgin Islands. - Photo 1
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Spanish Town, Virgin Gorda, British Virgin Islands. - Photo 3
Spanish Town, Virgin Gorda, British Virgin Islands. - Photo 4
Spanish Town, Virgin Gorda, British Virgin Islands. - Photo 5
Spanish Town, Virgin Gorda, British Virgin Islands. - Photo 6
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Spanish Town, Virgin Gorda, British Virgin Islands. , Spanish Town , Virgin Gorda

Whale Rock House

Beautifully Crafted Oceanfront Estate in Whale Bay   . Set in the highly sought-after enclave of Whale Bay, this exceptional estate emphasizes privacy, natural beauty, and thoughtful design. The community’s private roads follow the contours of the land, ensuring generous space between homes and preserving the area’s serene, unspoiled character. Designed after months of living on-site to observe sun, wind, and views, the home’s orientation and architectural details reflect a deep understanding of its surroundings. The result is a residence that feels perfectly placed—shielded, comfortable, and open to the sea.  . Situated on over two acres directly facing the ocean, the property offers 3 bedrooms and 3.5 baths, a freeform swimming pool with rock-lined fountain, an oversized garage, a two-vehicle carport, and a generator/utilities building. Two substantial concrete cisterns collect rainwater from the roof, and the well-regarded local Cromaglass system manages wastewater. For those seeking additional space, the expansive lot provides ample room for construction of further accommodation.  . Crafted for longevity, the home is built entirely of heavily reinforced concrete—roof and walls—some of which incorporate natural boulders in place. The plastered concrete ceilings gently curve to follow the roofline, adding both strength and style. Solid mahogany doors and shutters with Rocky Mountain bronze hardware secure the openings. The master bedroom and study feature rich Ipe hardwood flooring, while the remaining rooms are finished in porcelain tile, custom-cut around natural stone formations. Areas where moisture is expected transition to imported flagstone for added safety and comfort.   . The guest house includes a convenient mini-kitchen. Abundant ceiling fans throughout, including in bathrooms, pair with steady ocean breezes to maintain comfortable temperatures without reliance on air-conditioning. Unique artistic touches include a bespoke ceramic wall mosaic by a California ceramicist in the powder room and glass vessel sinks that complement the surrounding seascape. Mosaiced fountains at the main entry and guesthouse garden add subtle points of interest.   . Though just a short walk from The Baths, the home is completely private and hidden from public view. A shaded carport and welcoming pathway lead to the front gate; beyond it, the house opens toward sweeping ocean vistas. Thoughtfully angled wings shelter the terrace, and frame panoramic views of the deep, shaded porch, the pool, and the dramatic boulder-strewn shoreline. No neighboring homes interrupt the landscape—or the quiet.   . A final delight: on a moonlit night, approach the home from the private road to see its sculpted roofline echo the iconic boulders of Virgin Gorda.  . Other Details:    Acreage:           2.974 acres / 1.20 hectares   Title:                    Freehold   Electricity:       British Virgin Islands Electricity Corporation   Water:                Government Mains   Cistern:             Two (2) Cisterns with combined capacity of 15,000 gallons stored water   Generator:       Yes   Garage:             Yes   Carport:            Covered. For 2 cars. 3beds 3baths 2.974 Acres lot

Gallery

3D Street View Tour

Map showing Spanish Town, Virgin Gorda, British Virgin Islands.

Property Location

Spanish Town, Virgin Gorda, British Virgin Islands., Spanish Town Virgin Gorda

Local Weather & Climate

Spanish Town, Virgin Gorda

Current Conditions Updated recently
75 °F
Light rain
Feels Like 76°F
Humidity 81%
Wind 17 mph
Visibility 6.2 mi
Sunrise 10:49 AM
Sunset 10:13 PM
5-Day Forecast
Thu 5 Feb
Rain
High 77°
Low 75°
Fri 6 Feb
Rain
High 78°
Low 77°
Sat 7 Feb
Rain
High 78°
Low 76°
Sun 8 Feb
Rain
High 76°
Low 74°
Mon 9 Feb
Clouds
High 75°
Low 74°
Data from OpenWeatherMap

Walkability & Transit Scores

How easy is it to get around Spanish Town?

Walkability and transit scores for this address come from the EPA National Walkability Index.

Mortgage Calculator

Estimate your monthly payments for this property

$
%
$100,000
%
Estimated Monthly Payment $3,160
Monthly Payment Breakdown
Principal & Interest $2,528
Loan Amount $400,000
Total Interest $337,621
Total Cost $737,621
Potential Tax Benefits (United States)
$0 Est. First Year Interest Deduction
$0 Est. Annual Tax Savings
*Based on post-2017 tax law. Actual deductions depend on filing status, itemization, and current tax laws.

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Important Information
  • This calculator is for illustrative purposes only and does not constitute a loan offer, pre-approval, or commitment to lend.
  • Monthly payment estimates do not include property taxes, homeowner's insurance, HOA fees, or other applicable costs which may significantly increase your actual payment.
  • Interest rates shown are for demonstration only. Actual rates depend on your credit score, down payment, loan type, property location, and current market conditions.
  • This tool provides estimates only. Consult with a licensed mortgage professional for accurate quotes and personalized advice.
  • Tax benefit calculations are simplified estimates based on general assumptions for United States. Actual deductions depend on your specific tax situation, filing status, and current tax laws.
  • Tax Year Information: Tax data shown is based on United States tax year 2025 (fiscal year: January-December), rules effective from 2018 through 2025. Tax laws change frequently and may have been amended since this data was compiled.

Market Opinion

Our perspective on current market conditions in Spanish Town. For informational purposes only — always consult a licensed real estate professional before making decisions.

Market Analysis
International luxury real estate typically appreciates steadily over time.
65
Buyer Score
Estimated regional appreciation: 4% annually
Ultra-luxury properties tend to be more resilient during market downturns

Future Value & Wealth Building

Starting investment: $190,000,000 20% down ($38,000,000)

Investment Perspective
$ $ $
$1 → $1.36
Every dollar invested today could become $1.36 in 10 years
$100 → 136 $1,000 → $1,362
+$16,327
$16,327/day
Your home may appreciate while you sleep
$114,601/week $496,602/mo $5,959,229/yr
$100K Investment Comparison (10 Years)
Real Estate (Leveraged)
$281K
S&P 500 Index
$259K
High-Yield Savings
$155K
Real estate leverage: potential 8% advantage over stocks
RENT 💸 -$104.6M
vs
OWN 📈 +$148.3M
$148.3M Potential Equity
vs $104.6M lost to rent over 10 years
$38.0M Down Payment Growth
3.9x
10yr
$148.3M
8.1x
20yr
$307.0M
12.6x
30yr
$479.9M
Wealth Comparison
×1,143
Equivalent to 1,143 average US homes
top 5%
US household wealth ranking
Median: $193K Yours: $479.9M
Time to Double Your Investment (accounting for market cycles)
42.4
years
Conservative
1.65% effective/yr
15.3
years
Optimistic
4.62% effective/yr
Projected Home Values (adjusted for market cycles)
10 Years
Conservative $223.8M +18%
Market $258.7M +36%
Optimistic $298.6M +57%
$148.3M est. equity
20 Years
Conservative $263.5M +39%
Market $352.4M +85%
Optimistic $469.2M +147%
$307.0M est. equity
30 Years
Conservative $310.3M +63%
Market $479.9M +153%
Optimistic $737.4M +288%
$479.9M est. equity

These projections are estimates only and actual results may vary. Past performance does not guarantee future results.

Data from World Bank and regional real estate market research | Estimates based on historical appreciation trends

Frequently Asked Questions

Common questions about this property

This house at Spanish Town, Virgin Gorda, British Virgin Islands features 3 bedrooms.
This property is listed at $190,000,000.
Based on current market indicators, Spanish Town shows an active market. The market opportunity score is 65 out of 100, reflecting factors like price trends, inventory levels, and days on market.
This is a house located in Spanish Town, Virgin Gorda. The property is situated in an established neighborhood with convenient access to local amenities and services.
Bernadette George

Bernadette George

Christie's International Real Estate British Virgin Islands - Tortola

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