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5404 Spinnaker Way , Mineral, VA 23117
$575,000
Est. Payment: $3,012.35/mo
3 Bed
2 Bath
1264 Sqft
1.73 Acres
Status: active | Days on site: 247
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LKHR1 - 3299007
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from IDX Support, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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House Description

Wonderful opportunity to own this shared waterfront home with a covered boat slip and lift. Boat slip #7 conveys with the property. 1264 sqft of finished space with 3 bedrooms, 2 baths, living/dining, a kitchen, and a loft. An additional 784sqft of unfinished space in the walkout basement is ready to be finished to add an additional bath and living space. A 2-tier deck over a gravel patio provides ample outdoor space to enjoy cookouts or views of the lake. Located mid-lake, there is easy access by boat to the lake's many restaurants: The Cove, Tims, and the Tap House. It's also a short drive to the off-lake amenities, Food Lion, DG Fresh, Local Wineries, and Breweries. The home is being sold as-is and provides an excellent opportunity to develop an amazing waterfront retreat at an affordable price
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Highlights

Listed by Michael Philip Stevens , 8043387294 Lake Homes Realty, LLC , 8665253466. Bright MLS

Property Type

Residential
Lot/Acreage
1.73

HOA Fee

264 Annually

Year Built

1991

County

Spotsylvania

 Neighborhood

Rose Valley

 School District

Spotsylvania County Public Schools

Listing ID

VASP2038728

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Dryer - Electric, Extra Refrigerator/Freezer, Microwave, Oven/Range - Electric, Washer
Air Cond:Ceiling Fan(s),Central A/C
Fireplaces:Wood,1 Fireplace
Above Ground Sq Ft:1264
Basement:Walkout Level
Other:
  • ▪ Main Floor Bedrooms:1
  • ▪ Additional:Carpet, Ceiling Fan(s), Combination Dining/Living, Window Treatments
Water:Well

Exterior Features

Lot:Boat - Powered,Canoe/Kayak,Fishing Allowed,Personal Watercraft (PWC),Private Access,Public Access,Public Beach,Sail,Seaplane Permitted,Swimming Allowed,Waterski/Wakeboard,Not New Construction,Horse Property: No,Waterfront
Zoning:RR
Others:
  • ▪ Additional: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:Driveway
Principal Interest
$3,012
Taxes
$236
HOA
$264

Home Price

$575,000

Loan Details

30 yrs
6.844%

Down Payment

20%
$115,000
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:
$3,012.35

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,012.35 $236.25 $264.00 $3,512.60
Yearly $36,148.20 $2,835.00 $3,168.00 $42,151.20
Total $1,084,446.12 $85,050.00 $95,040.00 $1,264,536.12
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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: 2026-11-13T17:14:43.000Z

© 2026 Bright MLS