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516 Apple Grove Rd, Mineral, VA, 23117

5beds
3baths
3,368sqft
$629,000
$187price/sqft
$4,151/moest. monthly cost
$166,040/yrincome needed

About This Home

Tucked away on 7 private acres, this unique country retreat offers the perfect blend of peaceful living and versatile opportunity—country living done right—with a charming cabin-style main home and a fully separate guest house. With no HOA and a setting designed for a true mini farm lifestyle, the property features fenced pastures, mature fruit trees including apple, peach, Asian pear, and plum, along with blueberries, blackberries, and grapevines. Cub Creek gently borders the land, adding to the natural beauty and sense of seclusion, all while enjoying a convenient location less than 15 minutes to I-64 and within easy reach of Short Pump, Lake Anna, the town of Mineral, and more. Inside the main residence, warm bamboo flooring, vaulted wood-beamed ceilings, and a stone-accented wood-burning stove create an inviting great room. The thoughtfully designed kitchen features granite countertops, a five-burner gas cooktop with hood, wall oven, stainless steel appliances, and radiant heated floors that extend into the dining area. A main-level bedroom and full bath offer convenience, while upstairs includes a loft bedroom and an additional bedroom suite with a soaking tub. The guest house is equally well-appointed with hardwood flooring, two bedrooms, a full bath, a full kitchen with stainless steel appliances, and a spacious family room—ideal for extended family, guests, or rental income. A dedicated workshop with its own entrance and wood stove adds even more flexibility. Both homes enjoy private wells, separate electric meters, and spacious decks for outdoor living, with the guest house to have its own private septic system installed prior to closing. Approximately five acres of the property are fully fenced for your pets and approximately one acre is fenced with a run-in shelter —ready for horses, goats, chickens, or more. Whether you're dreaming of a homestead, multi-generational living, or an income-producing property, this one-of-a-kind offering delivers the space, privacy, and lifestyle to make it a reality. It's a true country retreat!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

7/10
Jouett Elementary SchoolGrades PK-52.5 mi
7/10
8/10
Louisa County High SchoolGrades 9-128.5 mi

Construction

Condition

  • Year built: 1983

Materials

  • Foundation: Block,Concrete Perimeter,Crawl Space
  • Roof: Shingle
  • Construction materials: Frame,Block,HardiPlank Type

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage,Loft,Ranch/Rambler
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Microwave,Built-In Range,Dishwasher,Dryer,Oven,Refrigerator,Stainless Steel Appliance(s),Washer,Cooktop,Electric Water Heater
  • Laundry features: Hookup,Main Level

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Bathroom - Walk-In Shower,Ceiling Fan(s),Chair Railings,Combination Kitchen/Dining,Dining Area,Entry Level Bedroom,Exposed Beams,Family Room Off Kitchen,Eat-in Kitchen,Pantry,Recessed Lighting,Upgraded Countertops,Beamed Ceilings,Dry Wall,High Ceilings,Vaulted Ceiling(s),Wood Ceilings
  • Door features: Insulated
  • Window features: Insulated Windows,Skylight(s)
  • Flooring: Bamboo,Ceramic Tile,Hardwood,Wood
  • Number of fireplaces: 1
  • Fireplace features: Corner,Wood Burning,Stone,Free Standing,Wood Burning Stove
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,368

Heating & Cooling

  • Heating features: Forced Air,Heat Pump,Wood Stove,Baseboard,Electric,Wood
  • Cooling features: Ceiling Fan(s),Heat Pump,Wall Unit(s),Central Air,Electric

Interior Area

  • Total structure area: 3,368
  • Total interior livable area: 3,368 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 82 58
  • Zoning: A1
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: None
  • Patio & porch: Deck,Porch
  • Exterior features: Lighting
  • Fencing: Board,Electric,Wire,Wood
  • Has view: Yes
  • View description: Trees/Woods,Creek/Stream
  • Has water view: Yes
  • Water view: Creek/Stream
  • Waterbody name: Cub Creek

Lot

  • Lot size: 7.02 Acres
  • Features: Backs to Trees,Landscaped,Private,Secluded,Front Yard,Open Lot

Parking

  • Total spaces: 6
  • Parking features: Unpaved,Driveway
  • Has uncovered spaces: Yes
  • Uncovered spaces: 6

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Hurricane
    HurricaneModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Drought
Earthquake
Hurricane
Tornado

FEMA Declared Disasters Across Virginia Counties

Severe Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,180$38,160
Home Insurance *$265$3,180
Property Taxes $382$4,584
Electricity $324$3,892
Total$4,151$49,812
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$142,320/yr
40% on housing$124,530/yr
45% on housing$110,693/yr

Virginia FAIR Plan Programs

Virginia Property Insurance Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 22,622Commercial: 503
Total Premiums$20.86M
Total Exposure$4.29B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 2.6%
2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$187This listing

vs Other Active Listings

Avg $/sqft

ZIP 23117$263
Louisa County$241

vs Homes Sold Last Month

Median $/sqft

ZIP 23117
Louisa County$243

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-29Listed for sale$629,000

For Sale by Agent

AgentAshley Hoffman
BrokerageLake Anna Island Realty, Inc.

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