There are several in the area. Check some of these out and see how they meet your thoughts on a stopping point and on location. They are not far off 13.
There are some great places to stop west of 13 in Cape Charles.
See if that's too far before you stop. Also Cape Charles is on the west for great sunsets.
A bit north is Bay View Waterfront Bed and Breakfast in Bell Haven.
Or The Mansion House on the water: http://mansionhousebnb.com/history.htm
Or perhaps Chincoteague Island itself?
We have many B&B's on Chincoteague. I'd suggest taking a look here on Trip Advisor - The Channel Bass Inn, Miss Molly's, The Inn at Poplar Corner - all are wonderful. You also might want to look at Rehoboth Beach or Ocean City MD - there are some nice waterfront B&B's there also. Hope you have a wonderful trip!
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