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3319 Viola Way , Bumpass, VA 23024
$499,000
Est. Payment: $2,614.20/mo
3 Bed
3 Bath
1795 Sqft
1 Acres
Status: active | Days on site: 115
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BHHSS1 - 3309163
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House Description

ASSUMABLE 3.25% LOAN. Gated Lake Anna access with assigned boat slip. New community dock nearly complete; special assessment already paid. Welcome to 3319 Viola Way in Rockland Creek Estates on the public side of Lake Anna. This is a rare combination buyers are hunting for right now: a low-rate assumable loan, a deeded-style assigned slip, short term rentals permitted and more than $100,000. already spent on upgrades. Ask your lender about assuming the existing 3.25% loan. Compared with a new loan near today's 7% rates, the payment difference is the real headline - not just "lake access" The home sits on a usable 1-acre lot with parking for about 8 vehicles plus gravel space for boats or trailers, a roofed area for an ATV or mower, and a garden shed. Inside: 3 bedrooms, 3 baths, 1795 sq. ft., open layout, hickory hardwoods, updated kitchen, updated baths, split bedroom plan, and a primary suite with sitting area, private deck access and a hot tub. Attached garage includes a finished office with heat and A/C. Walk-out basement is ready as a game room, guest suite or after-lake hangout. Community is gated and golf cart friendly with common area lake access and your own assigned slip. Boat to restaurants, swim, ski or fish then come home to the deck and woods - not a crowded waterfront strip. Low HOA assessments. (Approx. $365/year) Do not confuse this with a waterfront listing. It is a well updated lake access home with a slip, parking for the toys, short term rental flexibility and a 3.25% assumable loan. That is the DEAL! Showings included the path to the slip-come see why this one should be on the short list with every other Rockland Creek tour.

Highlights

Listed by Kerrie Elizabeth Poore , 5405138207 Berkshire Hathaway HomeServices PenFed Realty , 5403717653. Bright MLS

Property Type

Residential

Lot/Acreage
1

HOA Fee

365 Annually

Year Built

1995

County

Spotsylvania

Neighborhood

Rockland Creek Estates

School District

Spotsylvania County Public Schools

Listing ID

VASP2043622

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Built-In Microwave, Cooktop - Down Draft, Dishwasher, Disposal, Dryer - Electric, Energy Efficient Appliances, Oven - Double, Refrigerator, Stainless Steel Appliances, Washer
Air Cond:Central A/C
Fireplaces:Fireplace - Glass Doors,Gas/Propane,1 Fireplace
Floor:Hardwood
Above Ground Sq Ft:1539
Below Ground Sq Ft:256
Basement:Fully Finished
Other:
  • ▪ Main Floor Bedrooms:3
  • ▪ Additional:Bathroom - Walk-In Shower, Breakfast Area, Entry Level Bedroom, Kitchen - Island, Pantry, Primary Bath(s), Store/Office, Upgraded Countertops, Walk-in Closet(s), WhirlPool/HotTub, Wood Floors, No Pet Restrictions, Pets Allowed
Water:Well

Exterior Features

Lot:Backs to Trees,Cul-de-sac,Front Yard,Level,Partly Wooded,Private,Road Frontage,Not New Construction,Horse Property: No
Garage Capacity:3
Zoning:RR
Roof:Metal
Others:
  • ▪ Additional:Boat Storage, Hot Tub, Outbuilding(s), Secure Storage, Excellent
Sewer:On Site Septic
Parking Features:Paved Driveway,Additional Storage Area,Garage - Front Entry,Garage Door Opener,Inside Access,Oversized,Detached Carport,Detached Garage,Driveway,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$2,614
Taxes
$212
HOA
$365

Home Price

$499,000

Loan Details

30 yrs
6.844%

Down Payment

20%
$99,800
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:
$2,614.20

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,614.20 $212.25 $365.00 $3,191.45
Yearly $31,370.35 $2,547.00 $4,380.00 $38,297.35
Total $941,110.63 $76,410.00 $131,400.00 $1,148,920.63
Lender profile image
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.

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Data last updated: 2026-11-13T21:11:33.000Z

© 2026 Bright MLS