Seller's Agent in 2025
Ashley Brady
Pearson Smith Realty, LLC
(540) 498-5900
1 in this area
24 Total Sales
127 Ferndale Dr Louisa, VA 23093
3
Beds
2.5
Baths
1,203
Sq Ft
13,939
Sq Ft Lot
Highlights
- Home fronts navigable water
- Fishing Allowed
- Fireplace
- Canoe or Kayak Water Access
- Cape Cod Architecture
- Cooling Available
About This Home
As of December 2025Charming Cape Cod Escape in a Private Lake Community
127 Ferndale Drive, Louisa, VA Tucked inside a quiet gated lake community, 127 Ferndale Lane blends timeless Cape Cod character with thoughtful updates and the peaceful rhythm of lake life. This 3-bedroom, 2 full and 1 half-bath home welcomes you with brand-new carpet and fresh paint throughout, a freshly painted exterior, and a new deck out back—perfect for sipping morning coffee or enjoying the evening breeze. A cozy fireplace adds warmth and charm, especially on those crisp Virginia evenings. Set on a spacious front yard, there’s room to relax, play, or simply enjoy the outdoors. Just half a mile from the lake, you’ll have access to playgrounds, sandy beaches, and the freedom to take out your boat and spend the day on the water—whether you're exploring the shoreline or catching the sunset from the deck. Whether you're searching for a weekend getaway or a place to call home, 127 Ferndale Lane offers classic charm, comfort, and the best of lake living.
Last Agent to Sell the Property
(571) 386-1075 ashleybradyrealtor@yahoo.com Pearson Smith Realty, LLC Listed on: 07/25/2025
Last Buyer's Agent
(540) 735-9176 stephanie.hiner@penfedrealty.com Berkshire Hathaway HomeServices PenFed Realty License #0225230641
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $1,447
Year Built
- Built in 2005
Lot Details
- 0.32 Acre Lot
- Home fronts navigable water
- Property is zoned R2
HOA Fees
- $92 Monthly HOA Fees
Parking
- Driveway
Home Design
- Cape Cod Architecture
- Block Foundation
- Vinyl Siding
Interior Spaces
- 1,203 Sq Ft Home
- Property has 2 Levels
- Fireplace
Kitchen
- Stove
- Built-In Microwave
- Dishwasher
Bedrooms and Bathrooms
Laundry
- Dryer
- Washer
Outdoor Features
- Canoe or Kayak Water Access
- Private Water Access
- Property is near a lake
Schools
- Trevilians Elementary School
- Louisa County Middle School
- Louisa County High School
Utilities
- Cooling Available
- Heat Pump System
- Electric Water Heater
- On Site Septic
Listing and Financial Details
- Tax Lot 1147
- Assessor Parcel Number 13A414 1147
Community Details
Overview
- Blue Ridge Shores Subdivision
Recreation
- Fishing Allowed
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Jul 25, 2025
Closed on
Dec 2, 2025
Sold by
Moubray Charles W and Moubray Dorothy M
Bought by
Duff Robert John
Seller's Agent
Ashley Brady
Pearson Smith Realty, LLC
Buyer's Agent
Stephanie Hiner
Berkshire Hathaway HomeServices PenFed Realty
List Price
$329,000
Sold Price
$293,000
Premium/Discount to List
-$36,000
-10.94%
Views
102
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$1,139
Avg. Annual Appreciation
-1.55%
Original Mortgage
$287,693
Outstanding Balance
$287,139
Interest Rate
6.19%
Mortgage Type
FHA
Estimated Equity
$4,722
Purchase Details
Closed on
Jul 28, 2006
Sold by
Jeffords Leslie J and Jeffords Jacqueline M
Bought by
Hamrick Eugene Rodney
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$193,956
Interest Rate
6.88%
Mortgage Type
FHA
Purchase Details
Closed on
Oct 13, 2005
Sold by
Miller Travis and Roadcap James
Bought by
Jeffords Leslie J and Jeffords Jacqueline M
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$142,275
Interest Rate
6.37%
Mortgage Type
New Conventional
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Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Deed | $293,000 | Universal Title | |
| Deed | $197,000 | None Available | |
| Deed | $158,085 | None Available |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $287,693 | FHA | |
| Previous Owner | $193,956 | FHA | |
| Previous Owner | $142,275 | New Conventional |
Source: Public Records
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 12/05/2025 12/05/25 | Sold | $293,000 | -2.3% | $244 / Sq Ft | |
| 10/25/2025 10/25/25 | Pending | -- | -- | -- | |
| 09/21/2025 09/21/25 | Price Changed | $299,900 | -2.9% | $249 / Sq Ft | |
| 09/10/2025 09/10/25 | Price Changed | $309,000 | -3.1% | $257 / Sq Ft | |
| 08/21/2025 08/21/25 | Price Changed | $319,000 | -1.5% | $265 / Sq Ft | |
| 08/12/2025 08/12/25 | Price Changed | $324,000 | -1.5% | $269 / Sq Ft | |
| 07/25/2025 07/25/25 | For Sale | $329,000 | +163.2% | $273 / Sq Ft | |
| 10/29/2015 10/29/15 | Sold | $125,000 | 0.0% | $97 / Sq Ft | View Prior Sale |
| 10/02/2015 10/02/15 | Pending | -- | -- | -- | |
| 09/23/2015 09/23/15 | For Sale | $125,000 | -- | $97 / Sq Ft |
Source: Bright MLS
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $1,747 | $257,700 | $13,900 | $243,800 |
| 2024 | $1,747 | $242,600 | $13,900 | $228,700 |
| 2023 | $1,586 | $231,800 | $12,000 | $219,800 |
| 2022 | $1,447 | $201,000 | $12,000 | $189,000 |
| 2021 | $841 | $158,700 | $12,000 | $146,700 |
| 2020 | $1,071 | $148,700 | $12,000 | $136,700 |
| 2019 | $1,025 | $142,300 | $12,000 | $130,300 |
| 2018 | $957 | $132,900 | $12,000 | $120,900 |
| 2017 | $866 | $123,200 | $12,000 | $111,200 |
| 2016 | $866 | $120,300 | $12,000 | $108,300 |
| 2015 | $791 | $109,800 | $12,000 | $97,800 |
| 2013 | -- | $129,200 | $12,000 | $117,200 |
Source: Public Records
Agents Affiliated with this Home
-
Ashley Brady
-
Stephanie Hiner
Buyer's Agent in 2025
Stephanie Hiner
BHHS PenFed (actual)
(540) 621-9355
2 in this area
282 Total Sales
-
Kay Dennison
K
Seller's Agent in 2015
Kay Dennison
BHHS PenFed (actual)
(540) 809-7259
5 Total Sales
-
H
Seller Co-Listing Agent in 2015
Harold Irby
MacDoc Realty LLC
Map
Source: Bright MLS
MLS Number: VALA2008334
APN: 13A414-1147
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