431 Wilson St, Bumpass, VA, 23024
About This Home
Welcome to 431 Wilson Street—a lakefront retreat on the private side of Lake Anna in Bumpass, offering 85 feet of beautiful water frontage, your own sandy beach, and a well-appointed boathouse ready for days on the water. This 3-bedroom, 2-bath home features a comfortable and inviting layout, enhanced by bamboo flooring and water views that make it easy to settle in and enjoy the surroundings. Step outside to the rear deck—perfect for entertaining, dining, or simply unwinding while overlooking the lake. What truly sets this property apart is how seamlessly it connects you to the water. The boathouse, sandy beach, and shoreline are just steps from the home, making it effortless to go from relaxing on the deck to being out on the lake in moments. Down by the water, a maintained rock shoreline leads to your sandy beach and boathouse, creating a functional yet relaxing waterfront setting. The jet ski lifts offer a convenient way to store and protect your watercraft while keeping everything ready to go whenever you are. A boat and two jet skis are available for conveyance, providing the opportunity for an easy, turnkey lake experience. Set back on the property, the long private driveway offers a sense of privacy while still being just a short drive to local dining, marinas, and everyday conveniences. Recent updates include an HVAC system that is only a few years old, adding peace of mind for years to come. Whether you’re looking for a full-time residence, a weekend getaway, or an investment opportunity, this home offers flexibility and potential. The HOA allows short-term rentals, giving you the option to enjoy the property while also generating income. Come experience the ease and enjoyment of lakefront living on the private side of Lake Anna where days on the water are just steps from your door.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Excellent,Very Good
- Year built: 2007
Materials
- Foundation: Crawl Space
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch/Rambler
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Microwave,Dryer,Ice Maker,Instant Hot Water,Refrigerator,Cooktop,Washer,Water Heater,Electric Water Heater
- Laundry features: Main Level
Basement
- Area: 0
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 3
Features
- Breakfast Area,Combination Dining/Living,Entry Level Bedroom,Primary Bath(s),Floor Plan - Traditional,Bathroom - Tub Shower,Bathroom - Walk-In Shower,Bathroom - Stall Shower
- Door features: Sliding Glass
- Flooring: Carpet,Bamboo,Wood
- Finished area below ground: 0
- Finished area above ground: 1,206
Heating & Cooling
- Heating features: Heat Pump,Electric
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 1,206
- Total interior livable area: 1,206 sqft
Property
Accessibility
- Accessibility features: Accessible Doors
Details
- Parcel number: 46G1 1 33
- Zoning: RESIDENTIAL
- Zoning description: Residential
- Special condition: Standard
- Other equipment: Negotiable
Features
- Levels: One
- Stories: 1
- Pool features: None
- Patio & porch: Deck,Patio,Porch,Roof
- Exterior features: Rain Gutters,Private Beach,Stone Retaining Walls,Boat Storage,Barbecue,Flood Lights
- Has view: Yes
- View description: Lake,Water
- Has water view: Yes
- Water view: Lake,Water
- On waterfront: Yes
- Waterfront features: Boat/Launch Ramp - Private,Private Dock Site,Sandy Beach,Lake,Boat - Powered,Canoe/Kayak,Fishing Allowed,Personal Watercraft (PWC),Private Access,Swimming Allowed,Waterski/Wakeboard
- Waterbody name: Lake Anna
- Frontage length: Water Frontage Ft: 85
Lot
- Lot size: 0.94 Acres
- Features: Private,Front Yard
Parking
- Total spaces: 6
- Parking features: Driveway,Other
- 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
- Drought
- Hurricane
- Strong Wind
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 | $4,293 | $51,516 |
| Home Insurance * | $345 | $4,140 |
| Property Taxes | $514 | $6,168 |
| Electricity | $202 | $2,433 |
| Total | $5,354 | $64,248 |
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 |
|---|---|---|
| 2026-04-30 | Listed for sale | $890,000 |
| 2013-10-16 | Sold | $398,800 |
| 2013-06-28 | Price change | $399,800 |
| 2013-01-17 | Listed for sale | $448,700 |
| 2012-12-02 | Listing removed | $448,700 |
| 2012-07-01 | Price change | $448,700 |
| 2012-04-12 | Price change | $448,900 |
| 2012-02-17 | Price change | $474,900 |
| 2011-09-06 | Price change | $495,900 |
| 2011-09-01 | Price change | $495,500 |
| 2011-04-15 | Listed for sale | $515,000 |
| 2010-12-02 | Sold | $327,000 |
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