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68 Saratoga Cove , Ruther Glen, VA 22546
$549,800
Est. Payment: $2,880.33/mo
2 Bed
2 Bath
1290 Sqft
0.63 Acres
Status: active | Days on site: 2
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House Description

Wide-open water views, a private dock, and a completely renovated home ready for its next chapter, this Lake Caroline waterfront retreat is something special! Looking for the perfect house to put under the Christmas tree this year? Whether you're dreaming of a weekend getaway, a second home, a potential investment property, or your very own waterfront escape, 68 Saratoga Cove checks all the boxes! Situated on .63 acres along the main body of the lake, this property offers something truly special: wide-open water views and a backyard that leads right to the shoreline. Imagine mornings with coffee overlooking the lake, afternoons spent boating or kayaking, and evenings gathered around the waterfront patio with family and friends. With a private dock, floating jet ski platform, dedicated kayak and canoe launch, and multiple outdoor gathering areas, everything you need to enjoy the water is right outside your door! And the best part? The home has been completely renovated, so you can spend your time enjoying the lake instead of tackling projects! Inside, the bright, open layout features luxury vinyl plank flooring, an updated kitchen with white cabinetry, granite countertops, and stainless steel appliances, and comfortable living spaces filled with natural light. The kitchen opens to the dining and living areas, making entertaining easy while keeping those beautiful lake views front and center. The primary bedroom features an updated ensuite bathroom with a walk-in shower complete with body jets, a built-in bench, and handheld fixture. A second bedroom and full hall bathroom provide additional accommodations, while a convenient laundry area with full-size washer and dryer is tucked neatly behind pocket doors. One of the home's favorite features is the lakeside addition, surrounded by expansive windows that bring the outdoors in! This flexible space offers two closets, direct patio access, and endless possibilities as a second family room, home office, or gathering space. No matter how you use it, the lake views are always part of the experience! Major updates completed in 2022 include a new HVAC system, a separate mini-split system for the lake room, and a tankless water heater. Outside, the level front yard and recently paved driveway provide plenty of parking, while the backyard is all about enjoying the waterfront lifestyle. Lake Caroline is a gated community offering an impressive collection of amenities, including a private lake for boating, fishing, kayaking, and jet skiing, a community swimming pool, tennis and pickleball courts, basketball courts, parks, community docks, and year-round events. It's a place where every season offers something to enjoy! And while you'll feel like you're miles away on your own private retreat, you're conveniently located within approximately 10 minutes of shopping, dining, grocery stores, golf, and I-95 access at the Ladysmith and Ruther Glen exits. Fredericksburg and Richmond are both approximately 35 minutes away. Whether you're looking for a place to escape on the weekends, a waterfront home to enjoy every day, or a property with investment potential, 68 Saratoga Cove offers the location, updates, and lakefront setting that make it stand out. Forget putting another present under the tree this year... how about a lake house instead?

Highlights

Listed by Amy Cherry Taylor , 5408457619 Porch & Stable Realty, LLC , 5406322824. Bright MLS

Property Type

Residential

Lot/Acreage
0.63

HOA Fee

1600 Annually

Year Built

1947

County

Caroline

Neighborhood

Lake Caroline

School District

Caroline County Public Schools

Listing ID

VACV2011266

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Refrigerator, Icemaker, Stove, Exhaust Fan, Dishwasher, Washer, Dryer, Built-In Microwave
Air Cond:Ceiling Fan(s),Central A/C
Fireplaces:
Floor:Luxury Vinyl Plank
Above Ground Sq Ft:1290
Other:
  • ▪ Main Floor Bedrooms:2
  • ▪ Additional:Bathroom - Stall Shower, Bathroom - Tub Shower, Built-Ins, Ceiling Fan(s), Combination Dining/Living, Combination Kitchen/Dining, Dining Area, Entry Level Bedroom, Floor Plan - Open, Recessed Lighting, Window Treatments, Family Room Off Kitchen, Kitchen - Table Space, Primary Bath(s), Upgraded Countertops
Water:Public

Exterior Features

Lot:Not New Construction,Horse Property: No,Waterfront
Garage Capacity:6
Zoning:RESIDENTIAL LOW DENSITY
Others:
  • ▪ Additional:Outbuilding(s), Excellent, Swimming Pool, Basketball Courts, Beach, Gated Community, Jog/Walk Path, Lake, Picnic Area, Pool - Outdoor, Soccer Field, Tennis Courts, Tot Lots/Playground, Pool(s), Security Gate, Common Area Maintenance, Snow Removal
Sewer:On Site Septic
Parking Features:Asphalt Driveway,Driveway,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$2,880
Taxes
$154
HOA
$1,600

Home Price

$549,800

Loan Details

30 yrs
6.844%

Down Payment

20%
$109,960
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:
$2,880.33

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,880.33 $154.00 $1,600.00 $4,634.33
Yearly $34,563.97 $1,848.00 $19,200.00 $55,611.97
Total $1,036,919.09 $55,440.00 $576,000.00 $1,668,359.09
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Ruther Glen, 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: 2026-11-14T11:13:36.000Z

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