129 Lois Ln Mineral, VA 23117
Estimated payment $12,766/month
Total Views
119,033
5
Beds
3.5
Baths
4,520
Sq Ft
$498
Price per Sq Ft
Highlights
- 205 Feet of Waterfront
- Seaplane Permitted
- 2 Dock Slips
- Thomas Jefferson Elementary School Rated A-
- Boat Ramp
- Private Beach
About This Home
The Ultimate Lakefront Investment Opportunity – High Income Rental or Private Retreat.
This is the kind of property that rarely hits the market. Welcome to your lakefront dream on 2.86 acres with unmatched rental potential, luxury finishes, and serious space for all your lake life essentials. Whether you're looking for a full-time residence, vacation escape, or income-producing short-term rental, this custom-built 5-bedroom, 4-bathroom home delivers on every front.
Spanning over 4,500 square feet with 205 feet of private waterfront, this property offers a rare combination of high-end comfort and practical amenities. From the private beach and deep-water dock to the oversized detached garage built for RVs, boats, and lake toys, every inch of this property is designed to maximize enjoyment and flexibility.
A long private paved driveway leads you to a secluded retreat with a 48 by 50 garage featuring 15-foot ceilings, oversized 14-foot and 12-foot doors, built-in heat, and natural insulation. This space is ideal for collectors, hobbyists, and those with large vehicles or motorhomes. One could even make this an indoor sport court. Additional parking areas designed to accommodate RV's, multiple trailers, lake gear, and guests, making this setup ideal for hosting or vacation rentals.
Inside, solid maple hardwood floors, a Virginia rock fireplace, and panoramic water views highlight the open concept layout. The gourmet kitchen is equipped with high-end appliances, solid wood cabinetry, and a spacious island perfect for entertaining or meal prep. A bonus room with expansive windows provides a flexible space that can function as a game room, office, or second living area with incredible water views.
The primary suite includes a private bath and built-in laundry. Two additional bedrooms and one and a half bathrooms complete the main level. The fully finished walkout basement offers even more living space with a second living room, kitchenette, two bedrooms, and a full bathroom, ideal for hosting guests or multigenerational living. A dumbwaiter connects the garage directly to the kitchen pantry, offering added convenience.
Outside is a stamped concrete patio, hot tub, and gently sloping lawn that leads to your private shoreline with a beautiful large beach area. The covered dock features two electric lifts, high ceilings, ceiling fans, and a shaded seating area, while a separate pier provides deep-water access perfect for swimming and sunbathing.
This home is built for flexibility. Whether you plan to use it as a primary residence, second home, or short-term rental, it is ready for year-round enjoyment. Located within an hour of Richmond, Charlottesville, Fredericksburg, and Culpeper, and approximately 90 minutes to 2 hours from Northern Virginia and Washington DC, the location offers both privacy and accessibility. High-speed internet supports remote work, and the Galvalume tin roof adds long-term durability and a modern aesthetic.
Rental projections estimate between 175,000 and 225,000 in annual income, creating an exceptional opportunity for those seeking both luxury living and strong investment potential. See the MLS documents section for more information.
If you are looking for even more space or privacy, the adjacent vacant waterfront lot is also owned by the sellers and can be included as part of a package deal, priced separately. Whether your goal is to expand, build another home, or create a multi-home retreat, this is a rare chance to grow your footprint on Lake Anna.
This is more than a home—it is a one-of-a-kind lakeside opportunity designed for unforgettable experiences and long-term value. Schedule your private showing today.
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $9,007
Year Built
- Built in 2000
Lot Details
- 2.86 Acre Lot
- 205 Feet of Waterfront
- Home fronts navigable water
- Private Beach
- Sandy Beach
- Landscaped
- Extensive Hardscape
- Private Lot
- Premium Lot
- Level Lot
- Property is in excellent condition
- Property is zoned R2
HOA Fees
- $27 Monthly HOA Fees
Parking
- 5 Garage Spaces | 2 Direct Access and 3 Detached
- Second Garage
- Basement Garage
- Parking Storage or Cabinetry
- Front Facing Garage
- Side Facing Garage
- Garage Door Opener
- Circular Driveway
Home Design
- Craftsman Architecture
- Contemporary Architecture
- Slab Foundation
- Stone Siding
- Vinyl Siding
Interior Spaces
- Property has 2 Levels
- Open Floorplan
- Curved or Spiral Staircase
- Ceiling Fan
- 1 Fireplace
- Entrance Foyer
- Great Room
- Family Room Off Kitchen
- Living Room
- Dining Area
- Storage Room
- Utility Room
- Lake Views
- Exterior Cameras
Kitchen
- Gourmet Kitchen
- Kitchenette
- Second Kitchen
- Breakfast Area or Nook
- Stove
- Microwave
- Dishwasher
- Upgraded Countertops
Bedrooms and Bathrooms
- En-Suite Bathroom
- Walk-In Closet
- Whirlpool Bathtub
Laundry
- Laundry Room
- Dryer
- Washer
Finished Basement
- Heated Basement
- Walk-Out Basement
- Interior and Exterior Basement Entry
- Garage Access
- Basement Windows
Outdoor Features
- Spa
- Seaplane Permitted
- Canoe or Kayak Water Access
- Private Water Access
- Property is near a lake
- Sun Deck
- Personal Watercraft
- Waterski or Wakeboard
- Sail
- Rip-Rap
- Swimming Allowed
- Electric Hoist or Boat Lift
- 2 Dock Slips
- Physical Dock Slip Conveys
- Powered Boats Permitted
- Lake Privileges
- Deck
- Patio
- Exterior Lighting
- Shed
- Porch
Utilities
- Central Air
- Heat Pump System
- Water Treatment System
- Well
- Electric Water Heater
- On Site Septic
Listing and Financial Details
- Tax Lot 94
- Assessor Parcel Number 45D 3 94
Community Details
Overview
- Association fees include common area maintenance, pier/dock maintenance
- Overton Fork HOA
- Overton Fork Subdivision
Recreation
- Boat Ramp
- Boat Dock
- Fishing Allowed
Map
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
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 |
|---|---|---|---|---|
| 2024 | $9,662 | $1,341,900 | $327,000 | $1,014,900 |
| 2023 | $8,557 | $1,251,000 | $297,800 | $953,200 |
| 2022 | $7,527 | $1,045,400 | $271,600 | $773,800 |
| 2021 | $4,948 | $959,600 | $245,300 | $714,300 |
| 2020 | $6,450 | $895,800 | $245,300 | $650,500 |
| 2019 | $6,382 | $886,400 | $245,300 | $641,100 |
| 2018 | $6,033 | $837,900 | $236,500 | $601,400 |
| 2017 | $5,316 | $838,600 | $236,500 | $602,100 |
| 2016 | $5,316 | $738,300 | $221,600 | $516,700 |
| 2015 | $5,275 | $732,600 | $221,600 | $511,000 |
| 2013 | -- | $679,300 | $237,600 | $441,700 |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 02/06/2025 02/06/25 | For Sale | $2,250,000 | -- | $498 / Sq Ft |
Source: Bright MLS
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Interfamily Deed Transfer | -- | None Available | |
| Interfamily Deed Transfer | -- | None Available |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Closed | $351,500 | New Conventional | |
| Closed | $250,000 | Credit Line Revolving |
Source: Public Records
About the Listing Agent
Melanie Lucero | U.S. Marine Corps Veteran | Certified Luxury Home Marketing Specialist | Real Estate Investor & Developer | Lake Anna Area Expert
Melanie Lucero combines military precision with real estate expertise—delivering high-performance results across Lake Anna, Louisa County, Orange County, and Spotsylvania County. As a U.S. Marine Corps veteran and former Intelligence Analyst, Melanie approaches real estate with unmatched discipline, strategy, and integrity.
She is a
Melanie's Other Listings
Source: Bright MLS
MLS Number: VALA2007194
APN: 45D-3-94
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