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270 Rock Island Ridge , Mineral, VA 23117
$2,345,000
Est. Payment: $12,285.15/mo
5 Bed
6 Bath
6487 Sqft
1.29 Acres
Status: active | Days on site: 65
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House Description

Short term rentals ALLOWED with projected annual rental revenue of approximately $175,000–$225,000! Welcome to 270 Rock Island Ridge, an exceptional luxury waterfront home in Rock Island Landing on the private side of Lake Anna. Built in 2024, this spectacular 5-bedroom, 5.5-bath home offers nearly 6,500 finished square feet on 1.29 acres, with impressive living and entertaining spaces, a private beach, dock, boathouse, and beautiful water views. Step inside and the lake immediately becomes part of the home. Expansive, light-filled living spaces and large windows draw your attention straight to the water. The gourmet kitchen features upgraded countertops, generous cabinetry, a large island, double ovens, and a butler's pantry. A wet bar adds another entertaining space, while the open connection between the kitchen, dining, and living areas keeps the waterfront front and center. The screened-in deck with upgraded composite decking extends the living space outdoors and can be accessed from both the dining area and primary suite. The main level also includes an office, mudroom, laundry room, attached 2-car garage, and primary suite for convenient main-level living. Upstairs, three additional bedrooms each have their own full bath, providing exceptional privacy for family and guests along with elevated waterfront views. The fully finished walkout lower level offers approximately 2,600 finished square feet with expansive family, game, and gathering areas, an additional bedroom and full bath, and plenty of room to customize additional spaces. Walk directly outside to the lawn and continue toward the shoreline. At the water, enjoy your own private beach, composite dock, and boathouse equipped with an electric boat lift, electricity, water, storage, and refrigerator. Launch the boat for an afternoon on Lake Anna's private side, swim from your shoreline, relax on the beach, or spend the evening taking in the views from your own dock. Additional upgrades include a whole-house water treatment system, alarm system, EV charging outlet, sealed asphalt driveway, additional storage, primary closet and pantry shelving, window shutters and shades, washer and dryer, and more. Designer furnishings were selected specifically for the home's elevated lake-house style. Furnishings and dock furniture are available at an agreed-upon price, creating the opportunity for a move-in-ready lake home designed to be enjoyed from day one. High-speed internet is available. With short-term rentals permitted, this property offers flexibility for full-time living, a second home, vacation retreat, or investment use. Rental projections and supporting information are available in the MLS Documents section. 270 Rock Island Ridge brings together newer construction, substantial living space, private waterfront, boating amenities, and the Lake Anna lifestyle in one remarkable property.

Highlights

Listed by Melanie Virginia Lucero , 5408700714 Real Broker, LLC , 8554500442. Bright MLS

Property Type

Residential

Lot/Acreage
1.29

HOA Fee

1000 Annually

Year Built

2024

County

Louisa

Neighborhood

Rock Island Landing

School District

Louisa County Public Schools

Listing ID

VALA2010450

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:6
  • ▪ Full Bathrooms:5
  • ▪ 1/2 Bathrooms:1
Air Cond:Central A/C
Fireplaces:
Above Ground Sq Ft:3887
Below Ground Sq Ft:2600
Basement:Daylight,Full,Fully Finished,Interior Access,Improved,Walkout Level
Other:
  • ▪ Main Floor Bedrooms:1
  • ▪ Additional:Bar, Bathroom - Walk-In Shower, Butlers Pantry, Dining Area, Floor Plan - Open, Kitchen - Gourmet, Primary Bath(s), Recessed Lighting, Upgraded Countertops, Walk-in Closet(s)
Water:Well

Exterior Features

Lot:Premium,Not New Construction,Horse Property: No,Waterfront
Garage Capacity:2
Zoning:R2
Roof:Architectural Shingle,Metal
Others:
  • ▪ Additional:Private Beach, Excellent, Boat Ramp, Pier/Dock, Water/Lake Privileges, Common Area Maintenance, Pier/Dock Maintenance
Sewer:On Site Septic
Parking Features:Asphalt Driveway,Garage - Front Entry,Inside Access,Driveway,Attached Garage,2+ Spaces,1+ Spaces
Principal Interest
$12,285
Taxes
$1,199
HOA
$1,000

Home Price

$2,345,000

Loan Details

30 yrs
6.844%

Down Payment

20%
$469,000
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:
$12,285.15

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $12,285.15 $1,198.67 $1,000.00 $14,483.82
Yearly $147,421.81 $14,384.00 $12,000.00 $173,805.81
Total $4,422,654.16 $431,520.00 $360,000.00 $5,214,174.16
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.

IDX service by Blueroof 360

Data last updated: 2026-11-14T01:13:51.000Z

© 2026 Bright MLS