$999,900

Estimated payment $5,399/month

Total Views 13,227
5 Beds
3 Baths
3,008 Sq Ft
$332 Price per Sq Ft

Highlights

  • Boathouse
  • Seaplane Permitted
  • Spa
  • 140 Feet of Waterfront
  • 2 Dock Slips
  • Fishing Allowed

About This Home

This beautifully renovated waterfront home combines modern updates with relaxed lakeside living. Inside, you’ll find new flooring throughout, updated main level bathrooms, a renovated kitchen, and a fully finished basement with a brand-new full bathroom.

The property includes 2 waterfront lots sold together. Lot 7 features the home, while Lot 8 offers a buildable one-acre parcel. Both lots feature a shared private waterfront access and private driveway, presenting a rare opportunity for expansion or investment.

Enjoy panoramic lake views from the fully renovated two-slip boathouse, complete with an upper-level sundeck—perfect for sunbathing, entertaining, taking in the views and simply relaxing. A screened-in gazebo right on the water provides another peaceful spot to unwind while taking in the natural beauty on the water.

Despite the privacy and exclusivity, the property is conveniently located near Dukes Creek Marina. Just a short ride away (2 minutes by car and 3 minutes by kayak/canoe), the marina provides everything you need—from boat fuel and watercraft rentals (including pontoons and jet skis) to snacks, groceries, fishing gear, beach supplies, fresh pizza, and ice cream. Et cetera, et cetera, et cetera!

This property offers a unique chance to own a versatile, move-in ready home with room to grow—all on the shores of beautiful Lake Anna. Owners would even consider selling the home fully furnished due to being Airbnb or VRBO established and ready to rent out and capitalize on the potential summer renters. In fact, the owners have several bookings lined up already and are willing to let the new owners capitalize on these future VRBO/AirBnB renters already established from May - September.

The main level boasts three bedrooms, two full bathrooms, a family room with a wood-burning fireplace, a separate dining room, and a den. There is also a spacious sunroom with a gas fireplace which provides stunning views. The basement includes a large recreation/living room, two additional bedrooms, and a newly installed full bathroom. The basement and utility room have been fully waterproofed, with a sump pump and warranty for peace of mind.

Outdoor features include a large rear deck spanning the length of the home providing even more stunning views, complete with a hot tub (As-Is). The attached two-car garage comes equipped with an EV charging unit. A concrete front patio and walkway provide easy access from the driveway.

Enjoy approximately 140 feet of waterfront utilizing your newly updated boathouse with a brand-new sundeck showing stunning view of the lake and wildlife along with a double bay for boats and jetskis, and a renovated screened gazebo overlooking the water. This private, meticulously maintained home is a true waterfront retreat, just minutes from Dukes Creek Marina for effortless lake access and lake life.

Currently, the owners have the home thoughtfully configured to maximize both privacy and income potential. The fully finished basement which can be secured (lockable) serves as their personal living space, featuring two bedrooms and a full bathroom in a secure and private setting. The main level is set up as a separate rental unit, making it easy to generate short-term rental income through Airbnb or VRBO. This versatile layout is ideal for those looking to offset ownership costs, host guests comfortably, or enjoy multi-generational living. Whether you're seeking a full-time residence, a weekend escape, or a dual-purpose investment property, this home offers unmatched flexibility to fit your lifestyle.

Listing Agent

Tasheika Penn

(703) 268-3119 tasheika@dutkoragen.com EXP Realty, LLC License #0225234998 Listed on: 05/05/2025

EXP Realty, LLC

Co-Listing Agent

Erik Beall

(703) 254-4319 erik@dutkoragen.com EXP Realty, LLC

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $967

Year Built

  • Built in 1984 | Remodeled in 2024

Lot Details

  • 2.95 Acre Lot
  • 140 Feet of Waterfront
  • Home fronts navigable water
  • Rural Setting
  • South Facing Home
  • No Through Street
  • Private Lot
  • Secluded Lot
  • Premium Lot
  • Open Lot
  • Cleared Lot
  • Partially Wooded Lot
  • Back and Front Yard
  • Sale is for 3807 Bear Tree Ln. [Lot 7 w/ home] & 3805 Bear Tree Ln. [Lot 8 w/1 acre buildable]. BOTH Lots have water frontage.
  • Historic Home
  • Property is in excellent condition
  • Property is zoned RR

HOA Fees

  • $17 Monthly HOA Fees

Parking

  • 2 Car Attached Garage
  • Second Garage
  • Lighted Parking
  • Front Facing Garage
  • Gravel Driveway

Property Views

  • Lake
  • Woods

Home Design

  • Rambler Architecture
  • Brick Exterior Construction
  • Block Foundation
  • Frame Construction
  • Architectural Shingle Roof
  • Vinyl Siding

Interior Spaces

  • Property has 2 Levels
  • Traditional Floor Plan
  • Central Vacuum
  • Built-In Features
  • Beamed Ceilings
  • Ceiling Fan
  • Recessed Lighting
  • Fireplace
  • Wood Burning Stove
  • Double Hung Windows
  • Family Room Off Kitchen
  • Combination Kitchen and Dining Room
  • Attic

Kitchen

  • Eat-In Gourmet Kitchen
  • Electric Oven or Range
  • Self-Cleaning Oven
  • Built-In Range
  • Built-In Microwave
  • Ice Maker
  • Dishwasher
  • Stainless Steel Appliances
  • Upgraded Countertops
  • Disposal

Flooring

  • Wood
  • Ceramic Tile
  • Luxury Vinyl Plank Tile

Bedrooms and Bathrooms

  • En-Suite Bathroom
  • Walk-In Closet
  • Bathtub with Shower
  • Walk-in Shower

Laundry

  • Laundry on main level
  • Electric Front Loading Dryer
  • Washer

Finished Basement

  • Heated Basement
  • Interior Basement Entry
  • Water Proofing System
  • Sump Pump
  • Basement Windows

Home Security

  • Exterior Cameras
  • Carbon Monoxide Detectors
  • Fire and Smoke Detector
  • Flood Lights

Outdoor Features

  • Spa
  • Seaplane Permitted
  • Canoe or Kayak Water Access
  • Private Water Access
  • Property is near a lake
  • Waterski or Wakeboard
  • Limited Hours Of Personal Watercraft Operation
  • Dock has a Storage Area
  • Swimming Allowed
  • Boathouse
  • 2 Dock Slips
  • Physical Dock Slip Conveys
  • Dock made with Treated Lumber
  • 3 Powered Boats Permitted
  • 6 Non-Powered Boats Permitted
  • Deck
  • Gazebo
  • Shed
  • Outbuilding
  • Porch

Utilities

  • Central Air
  • Heat Pump System
  • Back Up Electric Heat Pump System
  • Heating System Powered By Leased Propane
  • Vented Exhaust Fan
  • Water Treatment System
  • Tankless Water Heater
  • Sewer Not Available
  • Satellite Dish

Additional Features

  • Doors are 32 inches wide or more
  • Energy-Efficient Windows with Low Emissivity

Listing and Financial Details

  • Tax Lot 8
  • Assessor Parcel Number 80B1-8-

Community Details

Overview

  • Association fees include snow removal, common area maintenance, road maintenance
  • Bear Tree HOA
  • Bear Tree Cove Subdivision
  • Electric Vehicle Charging Station

Recreation

  • Fishing Allowed

Home Details

Home Type

Single Family

Est. Annual Taxes

$967

Year Built

Built in 1984 | Remodeled in 2024

Lot Details

0

HOA Fees

$17 per month

Parking

2

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Ranch/Rambler
  • Accessibility Features: 32"+ Wide Doors
  • Ownership: Fee Simple
  • Historic: Yes
  • Inclusions: Lot 7+ Lot 8
  • New Construction: No
  • Story List: Lower 1, Main
  • Expected On Market: 5/5/2025 12:00:00 AM
  • Federal Flood Zone: No
  • Year Built: 1984
  • Year Renovated: 2024
  • Remarks Public: This beautifully renovated waterfront home combines modern updates with relaxed lakeside living. Inside, you’ll find new flooring throughout, updated main level bathrooms, a renovated kitchen, and a fully finished basement with a brand-new full bathroom. The property includes 2 waterfront lots sold together. Lot 7 features the home, while Lot 8 offers a buildable one-acre parcel. Both lots feature a shared private waterfront access and private driveway, presenting a rare opportunity for expansion or investment. Enjoy panoramic lake views from the fully renovated two-slip boathouse, complete with an upper-level sundeck—perfect for sunbathing, entertaining, taking in the views and simply relaxing. A screened-in gazebo right on the water provides another peaceful spot to unwind while taking in the natural beauty on the water. Despite the privacy and exclusivity, the property is conveniently located near Dukes Creek Marina. Just a short ride away (2 minutes by car and 3 minutes by kayak/canoe), the marina provides everything you need—from boat fuel and watercraft rentals (including pontoons and jet skis) to snacks, groceries, fishing gear, beach supplies, fresh pizza, and ice cream. Et cetera, et cetera, et cetera! This property offers a unique chance to own a versatile, move-in ready home with room to grow—all on the shores of beautiful Lake Anna. Owners would even consider selling the home fully furnished due to being Airbnb or VRBO established and ready to rent out and capitalize on the potential summer renters. In fact, the owners have several bookings lined up already and are willing to let the new owners capitalize on these future VRBO/AirBnB renters already established from May - September. The main level boasts three bedrooms, two full bathrooms, a family room with a wood-burning fireplace, a separate dining room, and a den. There is also a spacious sunroom with a gas fireplace which provides stunning views. The basement includes a large recreation/living room, two additional bedrooms, and a newly installed full bathroom. The basement and utility room have been fully waterproofed, with a sump pump and warranty for peace of mind. Outdoor features include a large rear deck spanning the length of the home providing even more stunning views, complete with a hot tub (As-Is). The attached two-car garage comes equipped with an EV charging unit. A concrete front patio and walkway provide easy access from the driveway. Enjoy approximately 140 feet of waterfront utilizing your newly updated boathouse with a brand-new sundeck showing stunning view of the lake and wildlife along with a double bay for boats and jetskis, and a renovated screened gazebo overlooking the water. This private, meticulously maintained home is a true waterfront retreat, just minutes from Dukes Creek Marina for effortless lake access and lake life. Currently, the owners have the home thoughtfully configured to maximize both privacy and income potential. The fully finished basement which can be secured (lockable) serves as their personal living space, featuring two bedrooms and a full bathroom in a secure and private setting. The main level is set up as a separate rental unit, making it easy to generate short-term rental income through Airbnb or VRBO. This versatile layout is ideal for those looking to offset ownership costs, host guests comfortably, or enjoy multi-generational living. Whether you're seeking a full-time residence, a weekend escape, or a dual-purpose investment property, this home offers unmatched flexibility to fit your lifestyle.
  • Special Features: NewHome
  • Property Sub Type: Detached

Interior Features

  • Appliances: Built-In Microwave, Built-In Range, Central Vacuum, Dishwasher, Dryer - Electric, Exhaust Fan, Icemaker, Microwave, Oven - Self Cleaning, Oven - Single, Oven/Range - Electric, Refrigerator, Stainless Steel Appliances, Water Heater, Disposal, Dryer - Front Loading, Washer, Water Heater - Tankless
  • Flooring Type: Ceramic Tile, Luxury Vinyl Plank
  • Interior Amenities: Attic, Built-Ins, Ceiling Fan(s), Central Vacuum, Combination Kitchen/Dining, Dining Area, Family Room Off Kitchen, Floor Plan - Traditional, Kitchen - Eat-In, Kitchen - Table Space, Pantry, Bathroom - Tub Shower, Walk-In Closet(s), Wood Floors, Water Treat System, Upgraded Countertops, Recessed Lighting, Kitchen - Gourmet, Entry Level Bedroom, Bathroom - Walk-In Shower, Exposed Beams, Primary Bath(s), Window Treatments
  • Window Features: Double Hung, Energy Efficient, Low-E
  • Fireplace: No
  • Wall Ceiling Types: Dry Wall
  • Foundation Details: Block
  • Levels Count: 2
  • Room List: Basement
  • Basement: Yes
  • Basement Type: Daylight, Full, Fully Finished, Heated, Improved, Sump Pump, Water Proofing System, Windows, Interior Access
  • Laundry Type: Has Laundry, Main Floor
  • Total Sq Ft: 3008
  • Living Area Sq Ft: 3008
  • Price Per Sq Ft: 474.56
  • Above Grade Finished Sq Ft: 2107
  • Below Grade Finished Sq Ft: 901
  • Total Below Grade Sq Ft: 901
  • Above Grade Finished Area Units: Square Feet
  • Street Number Modifier: 3807

Beds/Baths

  • Bedrooms: 5
  • Main Level Bedrooms: 3
  • All Lower Level Bedrooms: 2
  • Lower Level Bedroom: 2
  • Total Bathrooms: 3
  • Full Bathrooms: 3
  • Main Level Bathrooms: 2.00
  • Lower Levels Bathrooms: 1
  • Lower Levels Bathrooms: 1.00
  • Main Level Full Bathrooms: 2
  • Lower Level Full Bathrooms: 1
  • Lower Level Full Bathrooms: 1

Exterior Features

  • Other Structures: Above Grade, Below Grade
  • Other Structures List: Gazebo, Shed, 2nd Garage, Boat House
  • Construction Materials: Block, Brick, Frame, Vinyl Siding
  • Exterior Features: Flood Lights, Hot Tub, Outbuilding(s), Satellite Dish, Secure Storage, Sidewalks
  • Roof: Architectural Shingle
  • Spa: No
  • View: Water, Lake, Trees/Woods
  • Water Access Features: Limited Hours Of Personal Watercraft Operation (PWC), Private Access, Seaplane Permitted, Swimming Allowed, Waterski/Wakeboard, Boat - Powered, Canoe/Kayak, Fishing Allowed
  • Water Access: Yes
  • Water Body Name: Lake Anna
  • Water Body Type: Lake
  • Waterfront: Yes
  • Water Oriented: Yes
  • Pool: No Pool
  • Water View: Yes
  • Water Frontage In Feet: 140

Garage/Parking

  • Garage Spaces: 2.00
  • Garage: Yes
  • Parking Features: Gravel Driveway, Lighted Parking, Private
  • Garage Features: Garage - Front Entry
  • Attached Garage Spaces: 2
  • Total Garage And Parking Spaces: 2
  • Type Of Parking: Attached Garage, Driveway

Utilities

  • Central Air Conditioning: Yes
  • Cooling Fuel: Electric
  • Cooling Type: Heat Pump(s), Central A/C
  • Heating Fuel: Electric, Propane - Leased, Wood
  • Heating Type: Heat Pump - Electric Backup
  • Heating: Yes
  • Hot Water: Electric, Tankless
  • Security: Main Entrance Lock, Smoke Detector, Carbon Monoxide Detector(s), Exterior Cameras
  • Sewer/Septic System: No Sewer System
  • Municipal Trash: No
  • Internet Services: Broadband, Fiber Optic

Condo/Co-op/Association

  • HOA Fees: 200.00
  • HOA Fee Frequency: Annually
  • Condo Co-Op Association: No
  • HOA Condo Co-Op Fee Includes: Snow Removal, Common Area Maintenance, Road Maintenance
  • HOA Name: BEAR TREE HOA
  • HOA: Yes
  • Senior Community: No
  • Association Recreation Fee: No

Schools

  • School District: SPOTSYLVANIA COUNTY PUBLIC SCHOOLS
  • School District Key: 121139429416
  • School District Source: Listing Agent

Lot Info

  • Horses: No
  • Additional Parcels: Yes
  • Additional Parcels Description: Sale is for 3807 Bear Tree Ln. [Lot 7 w/ home] & 3805 Bear Tree Ln. [Lot 8 w/1 acre buildable]. BOTH Lots have water frontage.
  • Lot Features: Partly Wooded, Open, Private, Rear Yard, Rural, Cleared, Front Yard, Fishing Available, No Thru Street, Premium, Secluded
  • Lot Size Acres: 2.95
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 128502.00
  • Outdoor Living Structures: Deck(s), Porch(es)
  • Property Condition: Excellent
  • Year Assessed: 2024
  • Zoning: RR
  • In City Limits: No

Rental Info

  • Ground Rent Exists: No
  • Lease Considered: No
  • Vacation Rental: No
  • Property Manager: No

Tax Info

  • Tax Annual Amount: 967.00
  • Assessor Parcel Number: 80B1-8-
  • Tax Lot: 8
  • County Tax Payment Frequency: Annually
  • Tax Year: 2024

Multi Family

  • Waterfront Features: Private Dock Site

MLS Schools

  • School District Name: SPOTSYLVANIA COUNTY PUBLIC SCHOOLS

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

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 $2,954 $402,300 $66,700 $335,600
2024 $2,966 $403,900 $66,700 $337,200
2023 $2,720 $352,500 $59,800 $292,700
2022 $2,600 $352,500 $59,800 $292,700
2021 $2,509 $310,000 $52,900 $257,100
2020 $2,190 $270,600 $52,900 $217,700
2019 $2,261 $266,800 $52,900 $213,900
2018 $2,222 $266,800 $52,900 $213,900
2017 $2,246 $264,200 $52,900 $211,300
2016 $2,246 $264,200 $52,900 $211,300
2015 -- $263,800 $52,900 $210,900
2014 -- $263,800 $52,900 $210,900
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
09/02/2025 09/02/25 Price Changed $999,900 -4.8% $332 / Sq Ft
07/07/2025 07/07/25 Price Changed $1,049,900 -2.3% $349 / Sq Ft
06/04/2025 06/04/25 Price Changed $1,074,900 -2.3% $357 / Sq Ft
05/05/2025 05/05/25 For Sale $1,099,900 -- $366 / Sq Ft
Source: Bright MLS

Purchase History

Date Type Sale Price Title Company
Warranty Deed $620,000 Northern Va Title & Escr Inc
Warranty Deed $350,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $535,900 New Conventional
Previous Owner $345,349 FHA
Source: Public Records

Source: Bright MLS

MLS Number: VASP2032560

Bright MLS

APN: 80B-1-7