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34 Windwood Coves Blvd, Mineral, VA, 23117

4beds
3baths
3,068sqft
$540,000
$176price/sqft
$3,577/moest. monthly cost
$143,080/yrincome needed

About This Home

Don't miss this incredible opportunity to own this home in Windwood Coves at Lake Anna, situated within a gated community with High Speed Fiber Internet! This fully furnished lake-access chalet-style retreat offers over 3,000 square feet of living space, and includes your very own assigned boat slip (#1) in the main common area and is located in the most coveted subdivision at Lake Anna. Situated on a private 1.23 acre lot, this spacious 2.5 level home features 4 bedrooms, 3 full bathrooms, and a versatile loft area, making it ideal as a full-time residence, vacation getaway, or short-term rental investment. The main level showcases a warm and inviting family room with tile flooring, painted wood beams, a pellet stove, and three sliding glass doors that bring in abundant natural light and provide easy access to the expansive outdoor living spaces. This level also offers a spacious dining area, a beautifully updated kitchen, a full bathroom, a dry bar, and a flexible room that can serve as a home office or fourth bedroom. The stunning kitchen was completely renovated and features a massive center island, granite countertops, stainless steel appliances, a 5-burner gas cooktop, wall oven, tile backsplash, and a convenient pot filler. Upstairs, you'll find a second family room with soaring ceilings, skylights, and a beautiful stone wood-burning fireplace with hearth and mantle, creating the perfect gathering space after a day on the lake. The upper level also includes the primary suite, complete with luxury vinyl plank flooring, two closets, and a private bath featuring tile flooring, a walk-in tile shower with dual niches and a built-in bench. Two additional bedrooms and another full bathroom complete this level. The loft area provides additional flexible living space and is perfect for a reading nook, play area, or cozy lounge. Outdoor living is equally impressive with a huge full-length composite wraparound deck, a concrete patio, fire pit area, and a storage shed that conveys. Extensive updates provide peace of mind, including a new HVAC system (2025), new siding and composite decking (2023), a completely renovated main level and kitchen (2021), new roof (2019), relocated driveway entrance within the community gate (2018), new well pump (2016), all new PEX plumbing lines, and updated flooring throughout. The washer and dryer also convey. Enjoy the ultimate Lake Anna lifestyle with boating, fishing, swimming, and waterfront dining just moments away from your assigned boat slip. Beyond its natural beauty, the community offers a range of amenities to enhance your lifestyle, including spending your days boating, fishing, or simply soaking up the sun on the shores of the lake. Nestled in the sought after Windwood Coves Subdivision, a gated community on the lake with multiple common areas. Great mid-lake location just minutes to groceries, dining, Lake Anna Taphouse and more! Explore hours of fun at common area where you can launch your boat and enjoy the large sandy beach, picnic pavilion, playground, pickleball and tennis court. Golf Cart friendly community! Move right in and start making memories, this exceptional Lake Anna retreat comes fully furnished and ready to enjoy!

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

7/10
6/10
Louisa County High SchoolGrades 9-126.4 mi

Construction

Condition

  • Year built: 1985

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Frame,Vinyl Siding

Notable Dates

  • Major remodel year: 2021

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman,A-Frame,Loft,Chalet,Cottage
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Microwave,Cooktop,Dishwasher,Dryer,Oven,Range Hood,Stainless Steel Appliance(s),Washer,Water Conditioner - Owned,Water Treat System,Electric Water Heater
  • Laundry features: Hookup,Dryer In Unit,Washer In Unit

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Bathroom - Walk-In Shower,Bathroom - Tub Shower,Breakfast Area,Ceiling Fan(s),Combination Dining/Living,Combination Kitchen/Dining,Combination Kitchen/Living,Dining Area,Family Room Off Kitchen,Exposed Beams,Open Floorplan,Kitchen Island,Pantry,Primary Bath(s),Upgraded Countertops,Walk-In Closet(s),Beamed Ceilings,Dry Wall,Vaulted Ceiling(s),Wood Ceilings
  • Door features: Insulated,Sliding Glass
  • Window features: Insulated Windows
  • Flooring: Luxury Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Stone,Mantel(s)
  • Fireplace: Yes
  • Finished area above ground: 3,068

Heating & Cooling

  • Heating features: Heat Pump,Electric,Wood
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 3,068
  • Total interior livable area: 3,068 sqft

Loft

  • Level: Upper

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 18A 1 1
  • Zoning: R2
  • Special condition: Standard
  • Exclusions: Rocking Chairs Do Not Convey

Features

  • Levels: Two and One Half
  • Stories: 2
  • Pool features: None
  • Patio & porch: Deck,Wrap Around,Patio
  • Exterior features: Lighting
  • Has view: Yes
  • View description: Trees/Woods
  • Waterfront features: Lake,Boat - Powered,Canoe/Kayak,Fishing Allowed,Personal Watercraft (PWC),Public Access,Beach Access,Sail,Seaplane Permitted,Swimming Allowed,Waterski/Wakeboard
  • Waterbody name: Lake Anna

Lot

  • Lot size: 1.23 Acres
  • Features: Private

Parking

  • Total spaces: 8
  • Parking features: Gravel,Driveway
  • Has uncovered spaces: Yes
  • Uncovered spaces: 8

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
  • Hurricane
    HurricaneModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Hurricane

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 $2,730$32,760
Home Insurance *$227$2,724
Property Taxes $325$3,900
Electricity $295$3,546
Total$3,577$42,924
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$122,640/yr
40% on housing$107,310/yr
45% on housing$95,386/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

$176This 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
2026-07-03Listed for sale$540,000
2016-05-02Sold$182,000
2015-10-31Price change$200,000
2015-10-09Listed for sale$208,500
2014-07-21Sold$154,900
2013-12-05Sold$107,973
2012-01-08Listing removed$169,900
2011-12-18Price change$169,900
2011-10-02Price change$189,900
2011-09-02Price change$200,000
2011-05-20Price change$264,900
2011-01-08Listed for sale$277,900

For Sale by Agent

AgentAshley Hoffman
BrokerageLake Anna Island Realty, Inc.

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