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189 Plum Tree Cir , Bumpass, VA 23024
$460,000
Est. Payment: $2,409.88/mo
2 Bed
3 Bath
1936 Sqft
1.01 Acres
Status: active | Days on site: 2
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ISL1 - 3094927
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House Description

Summer days, sunshine, boat rides, cozy fall and winter evenings, and a nostalgic backyard tire swing... this is what Lake Anna memories are made of! Welcome to your charming retreat, tucked away on 1.01 peaceful acres in the Clear Water community on the private side of Lake Anna with your own assigned boat slip! Imagine mornings on the boat, afternoons swimming at the neighborhood sandy beach, and evenings grilling on the back deck while the kids enjoy the good old-fashioned tire swing in the backyard. When the seasons change, picture crisp fall mornings surrounded by colorful leaves, chilly winter afternoons with a warm cup of coffee, and cozy evenings curled up beside the crackling wood-burning stove. Best of all, this home comes furnished, so you can start enjoying it from day one! Whether you're searching for a full-time home, weekend getaway, or short-term rental investment, this one has so much to love! Offering 1,936 square feet, 2 bedrooms, and 2.5 bathrooms, this inviting home features hardwood flooring and an open main-level layout connecting the living room, kitchen, and dining area. The wood-burning stove adds warmth and charm, while the kitchen is perfect for gathering with family and friends! You'll love the sleek Brazilian granite countertops, stainless steel appliances (all new appliances in 2021), stylish backsplash, center island with seating, and pendant lighting. A half bath and laundry room complete the main level. Upstairs, you'll find a versatile loft, covered balcony, two bedrooms, and two full baths. One bedroom features its own private bathroom with a heated jetted tub and separate tiled shower. Step outside to your peaceful, private backyard, where the partially covered rear deck with a ceiling fan is perfect for grilling, entertaining, or relaxing after a day on the water. And that charming tire swing? It's the kind of nostalgic touch that brings back memories of simpler times and carefree childhood summers! The lake is calling! Your assigned boat slip #14 is located at the neighborhood waterfront common area, complete with a boat ramp, covered picnic pavilion, and sandy beach! Spend your days cruising the private side, swimming, and soaking up the sunshine. There's plenty of room for your lake toys, too! The property includes an attached 14x24 garage, a 12x24 boat shelter, and a 12x24 storage shed with electricity. Additional highlights include high-speed Firefly fiber internet, an addition completed in 2010, roof and rear deck in 2012, and septic tank pumped in 2023. Conveniently located near restaurants, grocery shopping, The Lake Anna Taphouse, a veterinary clinic, ABC store, nail spa, and more! Short-term rentals are permitted, offering flexibility for personal enjoyment or investment potential. From carefree summer adventures and afternoons on the tire swing to cozy fall weekends and peaceful winter escapes, this is a retreat you'll love in every season! With the furnishings already in place, all that's left to do is pack your bags, bring your boat, and start making memories! *Discounted monthly payment with seller's preferred lender. Savings up to $290 per month. Contact listing agent or see MLS document section for more details.*

Highlights

Listed by Ashley Hoffman , 5408346417 Lake Anna Island Realty , 5408944400. Bright MLS

Property Type

Residential

Lot/Acreage
1.01

HOA Fee

200 Annually

Year Built

1995

County

Louisa

Neighborhood

Clear Water

School District

Louisa County Public Schools

Listing ID

VALA2010864

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Built-In Microwave, Dishwasher, Dryer, Water Heater, Washer, Stove, Stainless Steel Appliances, Refrigerator, Oven/Range - Electric, Oven - Wall
Air Cond:Central A/C
Fireplaces:
Floor:Hardwood,Luxury Vinyl Plank
Above Ground Sq Ft:1936
Other:
  • ▪ Additional:Bathroom - Jetted Tub, Bathroom - Walk-In Shower, Ceiling Fan(s), Kitchen - Island, Skylight(s), Recessed Lighting, Stove - Wood, Upgraded Countertops, Breakfast Area, Combination Dining/Living, Combination Kitchen/Dining, Combination Kitchen/Living, Dining Area, Family Room Off Kitchen, Floor Plan - Open, Walk-in Closet(s), Wood Floors
Water:Well

Exterior Features

Lot:Front Yard,Level,Landscaping,Rear Yard,SideYard(s),Not New Construction,Horse Property: No
Garage Capacity:6
Zoning:R2
Roof:Shingle
Others:
  • ▪ Additional:Boat Storage, Outbuilding(s), Private Beach, Excellent, Beach, Boat Dock/Slip, Boat Ramp, Common Grounds, Lake, Picnic Area, Pier/Dock, Water/Lake Privileges, Common Area Maintenance, Pier/Dock Maintenance
Sewer:On Site Septic
Parking Features:Gravel Driveway,Additional Storage Area,Garage - Front Entry,Inside Access,Attached Garage,Driveway,Detached Carport,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$2,410
Taxes
$245
HOA
$200

Home Price

$460,000

Loan Details

30 yrs
6.844%

Down Payment

20%
$92,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,409.88

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,409.88 $245.17 $200.00 $2,855.05
Yearly $28,918.56 $2,942.00 $2,400.00 $34,260.56
Total $867,556.89 $88,260.00 $72,000.00 $1,027,816.89
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Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Bumpass, VA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bright MLS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-11-13T17:14:43.000Z

© 2026 Bright MLS