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106 Bernie Cir , Mineral, VA 23117
$400,000
Est. Payment: $2,095.55/mo
3 Bed
1 Bath
1100 Sqft
0.92 Acres
Status: active | Days on site: 103
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BHHSS1 - 129790
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House Description

Fully Furnished Home! Lake Access with BRAND NEW DOCKS. BOAT SLIP available! Perfect home for full-time living or great opportunity for your investment portfolio- only 30 minutes from the NEW Kalahari Resort & Convention Center! Total living space at 1100 sqft (Main home is 768 sqft with approx 342sqft in loft, above detached garage) Start enjoying the lake life with this turnkey, fully furnished Lake Anna escape! This move-in ready retreat is being offered as a complete turnkey opportunity, with all indoor and outdoor furniture, décor, and appliances conveying, allowing you to start enjoying the home or generating rental income from day one. Whether you're searching for a full-time residence, weekend getaway, or investment property, this home is ready for its next chapter. Built in 2016 and thoughtfully designed with modern finishes throughout, the main home offers comfortable one-level living with two bedrooms, one full bath, beautiful Pergo flooring, fresh paint, a cozy gas fireplace, and stylish fixtures that leave a lasting impression. This homes gives guests the "WOW" factor when they step inside, easily captivated by the home's unique layout, attention to detail, and warm, inviting atmosphere. What truly sets this property apart is the incredible detached garage featuring a custom-built entertainment space on the main level with a built-in bar, plus a finished loft above offering approximately 350 square feet of additional heated and cooled living space. Complete with carpet, heating/electric fireplace, and air conditioning window unit, this versatile area is perfect for guests, a recreation room, home office, or future in-law suite, with the potential to add a bathroom, if desired. Situated on nearly an acre of beautifully landscaped property, you'll enjoy your own private backyard oasis featuring attractive hardscaping, a cozy firepit gathering area, a spacious patio, and a storage shed. Sip your morning coffee outdoors and unwind in the evenings around the fire while taking in the peaceful wooded surroundings and abundant wildlife. Located in a sought-after, golf cart-friendly Lake Anna community, you'll love the convenience of riding your golf cart to the lake. Community boat slips may be available for annual lease or purchase (subject to availability), making it even easier to embrace the lake lifestyle. Surrounded by local wineries, restaurants, outdoor recreation, and the excitement of one of Virginia's fastest-growing lake destinations, this property offers the perfect balance of relaxation and adventure. Unique, unforgettable, and unlike anything else in the neighborhood, this fully furnished, move-in ready Lake Anna retreat is equally suited as a personal getaway, full-time residence, or exceptional turnkey investment opportunity! ***NOTE: Total square footage is approx 1100 sqft combined with Main Home at 768 sqft & approx 342sqft in loft, above detached garage. ***

Highlights

Listed by Shelley A Johnson , 5403791022 Berkshire Hathaway HomeServices PenFed Realty , 5403717653. Bright MLS

Property Type

Residential

Lot/Acreage
0.92

HOA Fee

400 Annually

Year Built

2016

County

Louisa

Neighborhood

Edgewood Bay

School District

Louisa County Public Schools

Listing ID

VALA2010232

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:1
  • ▪ Full Bathrooms:1
Appliances:Built-In Microwave, Washer, Dryer, Refrigerator, Stove, Cooktop, Exhaust Fan
Air Cond:Central A/C,Ceiling Fan(s)
Fireplaces:Gas/Propane,Mantel(s),1 Fireplace
Above Ground Sq Ft:1100
Other:
  • ▪ Main Floor Bedrooms:3
  • ▪ Additional:Ceiling Fan(s), Bathroom - Stall Shower, Combination Kitchen/Dining, Crown Moldings, Dining Area, Entry Level Bedroom, Family Room Off Kitchen, Floor Plan - Open, Kitchen - Eat-In, Recessed Lighting
Water:Private,Well

Exterior Features

Lot:Landscaping,Partly Wooded,Backs to Trees,Trees/Wooded,Not New Construction,Horse Property: No
Garage Capacity:2
Zoning:R2
Others:
  • ▪ Additional:Private Beach, Excellent, Boat Dock/Slip, Picnic Area, Boat Ramp, Common Grounds, Lake, Mooring Area, Water/Lake Privileges
Sewer:On Site Septic
Parking Features:Gravel Driveway,Garage - Front Entry,Driveway,Detached Garage,2+ Spaces,1+ Spaces
Principal Interest
$2,096
Taxes
$181
HOA
$400

Home Price

$400,000

Loan Details

30 yrs
6.844%

Down Payment

20%
$80,000
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:
$2,095.55

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,095.55 $181.17 $400.00 $2,676.71
Yearly $25,146.58 $2,174.00 $4,800.00 $32,120.58
Total $754,397.30 $65,220.00 $144,000.00 $963,617.30
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Mineral, 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: 2026-11-13T19:09:10.000Z

© 2026 Bright MLS