520 Oak Grove Dr, Mineral, VA, 23117
About This Home
Welcome home to 520 Oak Grove Drive, one of the most spacious properties available at Lake Anna, now available with an incredible 4.7% assumable VA loan for qualified buyers! This is a significant savings compared to today's market rates and a rare opportunity at this price point and property size. Situated on the public side and just minutes from Food Lion, Coyote Hole, the nursery, and Lake Anna's main shopping corridor, this home offers the rare combination of privacy and convenience. This custom 6 bedroom, 4 bathroom home spans over 7,500 total sq ft, with 3,790 sq ft on the main level plus an approximately 2,248 sq ft finished walkout basement. A paved driveway and striking rock façade set the tone before you even step inside. A deeded boat slip is included. Recently refreshed with a new stainless refrigerator and modern lighting fixtures throughout, the home feels move in ready. The main living area centers around a stone fireplace and flows into an expansive kitchen with granite countertops and abundant cabinetry, ideal for entertaining. Just off the living room, a covered walkout deck with tile flooring extends your living space outdoors. The main level offers 5 generously sized bedrooms, a full laundry room, and direct access to the oversized 2 car garage. Downstairs, the finished basement adds a second living area, a spacious 6th bedroom perfect for multiple beds, and large windows overlooking the peaceful backyard. Spread across 9.3 acres, there's room to roam, garden, or simply unwind. Lake Anna common area access is included, so bring your boat, paddleboards, and guests. A deeded boat slip, #9, comes with the property, giving you the kind of direct lake access that's increasingly hard to find at Lake Anna. This home has been successfully operated as a short term rental, and short term rentals are permitted, making it an excellent turnkey investment opportunity. It's just as well suited as a full time family residence or weekend retreat for those simply looking to enjoy everything Lake Anna has to offer. Just 1 hour from Richmond, Fredericksburg, and Charlottesville, and 2 hours from D.C., properties of this size and location at Lake Anna rarely come available. Schedule your private showing today!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2003
Materials
- Foundation: Block
- Construction materials: Other,Stone,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Other
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Central Vacuum,Cooktop,Down Draft,Dishwasher,Microwave,Self Cleaning Oven,Oven,Refrigerator,Electric Water Heater
- Laundry features: Washer/Dryer Hookups Only
Basement
- Area: 3790
Basement
- Has basement: Yes
- Basement: Partial,Other,Partially Finished,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 4
- Full bathrooms: 4
- Main level bathrooms: 3
- Main level bedrooms: 5
Features
- Entry Level Bedroom
- Number of fireplaces: 1
- Fireplace: Yes
- Finished area below ground: 2,248
- Finished area above ground: 3,790
Heating & Cooling
- Heating features: Central,Heat Pump,Electric
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 7,580
- Total interior livable area: 6,038 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 17 3 4
- Zoning: R1
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Pool features: None
- Patio & porch: Deck,Porch,Screened
- Exterior features: Play Area,Play Equipment,Underground Lawn Sprinkler,Balcony
- Waterfront features: Lake,Boat - Powered,Canoe/Kayak,Fishing Allowed,Personal Watercraft (PWC),Private Access,Seaplane Permitted,Waterski/Wakeboard
- Waterbody name: Lake Anna
Lot
- Lot size: 9.30 Acres
- Features: Backs to Trees,Wooded,Premium,Private
Parking
- Total spaces: 2
- Parking features: Garage Faces Side,Attached,Driveway
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: Yes
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
- Strong Wind
- Hurricane
How This Home’s Risks Compare
FEMA Declared Disasters Across Virginia Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,550 | $54,600 |
| Home Insurance * | $379 | $4,548 |
| Property Taxes | $548 | $6,576 |
| Electricity | $581 | $6,979 |
| Total | $6,058 | $72,696 |
Income You'd Need if You Spent...
Virginia FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-16 | Listed for sale | $899,999 |
| 2025-10-26 | Listing removed | $925,000 |
| 2025-06-13 | Price change | $925,000 |
| 2025-05-13 | Listed for sale | $950,000 |
| 2022-05-02 | Sold | $760,000 |
| 2022-04-04 | Pending sale | $749,700 |
| 2022-03-31 | Listed for sale | $749,700 |
| 2015-12-01 | Sold | $475,000 |
| 2015-10-16 | Pending sale | $475,000 |
| 2015-10-08 | Listed for sale | $475,000 |
| 2015-06-30 | Listing removed | $449,000 |
| 2015-03-26 | Price change | $449,000 |
| 2014-12-04 | Price change | $459,000 |
| 2014-10-01 | Price change | $485,000 |
| 2014-07-30 | Price change | $499,000 |
| 2014-03-27 | Pending sale | $535,000 |
| 2014-03-24 | Price change | $535,000 |
| 2014-01-18 | Price change | $499,000 |
| 2013-11-20 | Price change | $520,000 |
| 2013-09-19 | Price change | $549,000 |
| 2013-06-27 | Listed for sale | $599,000 |
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