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168 Alma Rd , Louisa, VA 23093
$599,000
Est. Payment: $3,138.08/mo
3 Bed
2 Bath
1089 Sqft
1.18 Acres
Status: active | Days on site: 66
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ISL1 - 3364541
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House Description

*DISCOUNTED MONTHLY PAYMENT AVAILABLE* You will enjoy slipping away to this turn-key adorable waterfront cottage on the public side of Lake Anna -- completely furnished and with high-speed fiber internet! This charming 3-bedroom, 2-bathroom chalet-style home is nestled in the serene Scott McCoy subdivision, offering both true privacy and investment opportunity. This idyllic lake house offers approximately 1,100 square feet, and features an incredibly cozy family room anchored by a warm wood-burning fireplace with mantle and hearth, rich Oak hardwood flooring, a country kitchen with abundant cabinetry, all necessary appliances and dining area, and a main level primary bedroom with ceiling fan and ample closet space. The main level also offers a convenient full bathroom with bathtub and shower. Upstairs, your guests will stretch out in two additional spacious bedrooms, a second full bathroom with shower, and laundry area. Outdoors you'll experience more than an acre of lush private surroundings; follow the beautiful nature trail down to your private boathouse at the water's edge, perfect for boating, fishing, or simply soaking in the tranquil water views. Investors: short term rentals are permitted here. Great location, not far from groceries, popular local restaurants, The Lake Anna Taphouse, coffee, ice cream and more. With appropriate offer, seller will consider including two barely-used jet skis: a 2017 SeaDoo and a 2017 Yamaha F/X High Output, both with less than 30 hours! Double trailer included. Subdivision has its own boat launch in common area, as well. Incredible opportunity for a turn-key waterfront package. *Discounted monthly payment with seller's preferred lender. Savings up to $360 per month. Contact listing agent or see document section for more details.*

Highlights

Listed by Grayson Hoffman , 2023653388 Lake Anna Island Realty , 5408944400. Bright MLS

Property Type

Residential

Lot/Acreage
1.18

HOA Fee

175 Annually

Year Built

2008

County

Louisa

Neighborhood

Scott Mccoy

School District

Louisa County Public Schools

Listing ID

VALA2010576

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Built-In Microwave, Washer, Water Heater, Dryer, Dishwasher, Refrigerator, Oven/Range - Electric
Air Cond:Window Unit(s),Central A/C,Ceiling Fan(s)
Fireplaces:Wood,Mantel(s),1 Fireplace
Floor:Hardwood,Ceramic Tile,Carpet,Vinyl
Above Ground Sq Ft:1089
Other:
  • ▪ Main Floor Bedrooms:1
  • ▪ Additional:Combination Dining/Living, Family Room Off Kitchen, Window Treatments, Wood Floors
Water:Well

Exterior Features

Lot:Boat - Powered,Canoe/Kayak,Fishing Allowed,Personal Watercraft (PWC),Private Access,Swimming Allowed,Seaplane Permitted,Sail,Waterski/Wakeboard,Not New Construction,Horse Property: No,Waterfront
Garage Capacity:4
Zoning:R2
Roof:Asphalt,Shingle
Others:
  • ▪ Additional:Exterior Lighting, Outside Shower, Flood Lights, Awning(s), Outbuilding(s), Excellent, Beach, Boat Ramp, Common Grounds, Lake, Picnic Area, Pier/Dock, Pier/Dock Maintenance, Recreation Facility, Reserve Funds
Sewer:On Site Septic,Septic Exists
Parking Features:Gravel Driveway,Driveway,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$3,138
Taxes
$279
HOA
$175

Home Price

$599,000

Loan Details

30 yrs
6.844%

Down Payment

20%
$119,800
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:
$3,138.08

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,138.08 $278.58 $175.00 $3,591.67
Yearly $37,657.00 $3,343.00 $2,100.00 $43,100.00
Total $1,129,709.95 $100,290.00 $63,000.00 $1,292,999.95
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Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Louisa, 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: 2026-11-13T17:14:43.000Z

© 2026 Bright MLS