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175 Covenant Way, Bumpass, VA, 23024

5beds
4baths
5,538sqft
$2,121,000
$383price/sqft
$13,414/moest. monthly cost
$536,560/yrincome needed

About This Home

Where privacy, panoramic water views, and quality construction converge—this exceptional 5,790 sq. ft. waterfront residence delivers the ultimate Lake Anna lifestyle. Nestled on a premier peninsula lot on the Private Side of Lake Anna, this 1.5-acre property offers approximately 425 feet of pristine shoreline and breathtaking, wide-water views in every direction. From spectacular sunrises to tranquil evenings, the ever-changing lake backdrop becomes part of everyday living—visible from nearly every room. A long paved driveway sets the tone, introducing a sense of serenity and seclusion as you arrive. Inside, the home is filled with natural light, blending Southern charm with timeless style. Thoughtfully designed for both entertaining and relaxation, the spacious layout features multiple gathering areas—ideal for hosting large groups or enjoying quiet moments. The oversized kitchen, complete with a generous walk-in pantry, is designed to inspire—offering both function and space for effortless entertaining. Throughout the home, expansive windows frame stunning water views, creating a seamless connection between indoor and outdoor living. The upper level features a spacious primary suite with multiple closets and a well-appointed bath, along with two additional bedrooms—each offering beautiful lake views. A standout feature is the expansive fourth bedroom, thoughtfully designed with a built-in raised sleeping platform and multiple adjoining sleeping areas—perfect for accommodating guests or creating a fun, flexible retreat. The walkout lower level expands the home’s versatility, offering a comfortable den for media or gaming, a large flex room currently used as an office (designed as a bedroom), and a recreation space ideal for billiards or game nights. An unfinished nook provides the opportunity for a future kitchenette or bar. For hobbyists and enthusiasts, the two-room workshop is a rare and valuable feature—complete with direct access to the attached two-car garage. At the water’s edge, the boathouse becomes a gathering place for all ages. A true centerpiece of the waterfront experience, the covered boathouse is designed for both relaxation and entertaining. Featuring two boat slips with lifts, this impressive structure also offers a lakeside tiki bar, drop-down television for game days and movie nights, a spacious sun deck, and a dedicated storage room for all your water toys and gear. Whether hosting friends or enjoying a quiet sunset by the water, this thoughtfully designed retreat elevates lake living to another level. A rare offering combining privacy, expansive waterfront, and versatile living spaces—this property is designed for making lasting memories at the lake.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

7/10
Jouett Elementary SchoolGrades PK-59.9 mi
7/10
8/10
Louisa County High SchoolGrades 9-1210.1 mi

Construction

Condition

  • Property condition: Excellent
  • Year built: 1993

Materials

  • Foundation: Concrete Perimeter,Active Radon Mitigation
  • Roof: Asphalt
  • Construction materials: Cedar,Brick

Other

  • Builder name: LAKE COUNTRY HOMES

Type & Style

  • Home type: SingleFamily
  • Architectural style: Transitional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Exhaust Fan,Extra Refrigerator/Freezer,Microwave,Oven,Oven/Range - Electric,Refrigerator,Washer,Humidifier,Water Treat System,Electric Water Heater,Water Heater
  • Laundry features: Main Level,Washer In Unit,Dryer In Unit,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway,Rear Entrance,Full,Finished,Exterior Entry,Windows,Workshop,Garage Access,Interior Entry,Concrete,Shelving,Sump Pump,Walk-Out Access

Bathroom2

  • Features: Bathroom - Tub Shower,Flooring - Ceramic Tile
  • Level: Upper

Bathroom3

  • Features: Bathroom - Tub Shower,Flooring - Ceramic Tile
  • Level: Lower
  • Area: 40
  • Dimensions: 5 X 8

Bedroom2

  • Features: Ceiling Fan(s),Window Treatments,Flooring - Carpet
  • Level: Upper

Bedroom3

  • Features: Ceiling Fan(s),Flooring - Carpet,Window Treatments
  • Level: Upper

Bedroom4

  • Features: Flooring - Carpet,Ceiling Fan(s),Window Treatments
  • Level: Upper
  • Area: 252
  • Dimensions: 12 X 21

Bedroom5

  • Features: Built-in Features,Cedar Closet(s),Ceiling Fan(s),Countertop(s) - Recycled Content,Flooring - Carpet,Window Treatments
  • Level: Lower
  • Area: 288
  • Dimensions: 16 X 18

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Bonus Room

  • Features: Flooring - Carpet
  • Level: Upper
  • Area: 96
  • Dimensions: 8 X 12

Bonus Room

  • Level: Upper
  • Area: 198
  • Dimensions: 11 X 18

Breakfast Room

  • Features: Flooring - Ceramic Tile,Window Treatments
  • Level: Main
  • Area: 81
  • Dimensions: 9 X 9

Den

  • Features: Ceiling Fan(s),Window Treatments,Flooring - Vinyl,Chair Rail
  • Level: Lower
  • Area: 336
  • Dimensions: 14 X 24

Dining Room

  • Features: Flooring - Ceramic Tile,Formal Dining Room,Window Treatments,Crown Molding
  • Level: Main
  • Area: 221
  • Dimensions: 13 X 17

Family Room

  • Features: Built-in Features,Ceiling Fan(s),Crown Molding,Fireplace - Wood Burning,Flooring - Carpet,Window Treatments
  • Level: Main
  • Area: 504
  • Dimensions: 21 X 24

Features

  • Breakfast Area,Family Room Off Kitchen,Kitchen - Gourmet,Dining Area,Primary Bath(s),Chair Railings,Crown Molding,Upgraded Countertops,Open Floorplan,9'+ Ceilings,Cathedral Ceiling(s)
  • Door features: Double Entry,French Doors
  • Window features: Double Hung,Window Treatments
  • Flooring: Ceramic Tile,Carpet
  • Number of fireplaces: 1
  • Fireplace features: Mantel(s),Screen,Heatilator
  • Fireplace: Yes
  • Finished area below ground: 1,816
  • Finished area above ground: 3,722

Half Bath

  • Features: Flooring - Ceramic Tile,Window Treatments
  • Level: Main
  • Area: 28
  • Dimensions: 4 X 7

Heating & Cooling

  • Heating features: Zoned,Programmable Thermostat,Heat Pump,Electric
  • Cooling features: Heat Pump,Central Air,Zoned,Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 5,538
  • Total interior livable area: 5,538 sqft

Kitchen

  • Features: Breakfast Bar,Granite Counters,Double Sink,Flooring - Ceramic Tile,Kitchen Island,Kitchen - Electric Cooking,Pantry,Window Treatments,Crown Molding
  • Level: Main
  • Area: 361
  • Dimensions: 19 X 19

Laundry

  • Features: Chair Rail
  • Level: Main
  • Area: 171
  • Dimensions: 9 X 19

Living Room

  • Features: Flooring - Carpet,Window Treatments,Crown Molding,Cathedral/Vaulted Ceiling
  • Level: Main
  • Area: 304
  • Dimensions: 16 X 19

Other

  • Features: Attic - Finished
  • Level: Upper

Other

  • Features: Flooring - Ceramic Tile
  • Level: Lower
  • Area: 81
  • Dimensions: 9 X 9

Primary Bathroom

  • Features: Bathroom - Jetted Tub,Bathroom - Stall Shower,Bathroom - Walk-In Shower,Double Sink,Flooring - Ceramic Tile,Ceiling Fan(s),Walk-In Closet(s)
  • Level: Upper
  • Area: 24
  • Dimensions: 4 X 6

Primary Bedroom

  • Features: Cathedral/Vaulted Ceiling,Ceiling Fan(s),Flooring - Carpet,Walk-In Closet(s),Window Treatments
  • Level: Upper
  • Area: 270
  • Dimensions: 15 X 18

Recreation Room

  • Features: Ceiling Fan(s),Flooring - Carpet,Window Treatments
  • Level: Lower
  • Area: 420
  • Dimensions: 20 X 21

Workshop

  • Features: Flooring - Concrete
  • Level: Lower

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 47A 3 9
  • Zoning: RR
  • Special condition: Standard
  • Other equipment: See Remarks

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Patio & porch: Deck,Patio,Wrap Around,Porch
  • Exterior features: Extensive Hardscape,Storage,Rain Gutters,Lawn Sprinkler,Lighting,Underground Lawn Sprinkler
  • Has view: Yes
  • View description: Water,Scenic Vista,Lake,Panoramic
  • Has water view: Yes
  • Water view: Water,Lake
  • On waterfront: Yes
  • Waterfront features: Exclusive Easement,Private Dock Site,Rip-Rap,Lake,Boat - Powered,Canoe/Kayak,Fishing Allowed,Personal Watercraft (PWC),Private Access,Sail,Seaplane Permitted,Swimming Allowed,Waterski/Wakeboard
  • Waterbody name: Lake Anna
  • Frontage length: Water Frontage Ft: 425

Lot

  • Lot size: 1.58 Acres
  • Features: Bulkheaded,Cul-De-Sac,Landscaped,Wooded,Secluded,Private

Parking

  • Total spaces: 6
  • Parking features: Garage Door Opener,Circular Driveway,Driveway,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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
  • Drought
    DroughtModerate
  • Hurricane
    HurricaneModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Lightning
Drought
Hurricane
Strong Wind

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 $10,724$128,688
Home Insurance *$863$10,356
Property Taxes $1,294$15,528
Electricity $533$6,401
Total$13,414$160,968
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$459,908/yr
40% on housing$402,420/yr
45% on housing$357,706/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

$383This listing

vs Other Active Listings

Avg $/sqft

ZIP 23024$257
Louisa County$239

vs Homes Sold Last Month

Median $/sqft

ZIP 23024
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
2026-03-31Listed for sale$2,273,000
2025-12-27Listing removed$2,273,000
2025-10-07Price change$2,273,000
2025-03-10Listed for sale$2,373,000
2015-06-05Sold$1,200,000
2015-04-17Pending sale$1,350,000
2014-11-19Listed for sale$1,350,000
2014-08-25Listing removed$1,350,000
2014-08-11Pending sale$1,350,000
2014-06-25Listed for sale$1,350,000

For Sale by Agent

AgentLinda Fosdick
BrokerageKW Realty Lakeside

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