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6406 Carter LaneMineral, VA 23117Price: $1,899,000

  • Price: $1,899,000
  • Est. Mortgage of $/month
  • 106 Days on Market
$
$
%
$/month over payments
Federal 30-year interest rate: 6.66% last updated on Jul 30, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
  • $1,899,000List Price
  • 7Bedrooms
  • 5Bathrooms
  • 6,189Square Feet
A stunning custom-built Vermont Timber Frame set on 3.53 private acres with 280 feet of deep water frontage on the public side of Lake Anna is turn-key and comes fully furnished. This extraordinary waterfront retreat in the gated Kelly's Landing community offers the ultimate lake lifestyle with unforgettable sunsets, and every amenity already in place. A concrete walkway leads to your private covered boathouse featuring a sun deck, storage room, double jet ski pad, and a waterfront gazebo, creating the perfect place to spend endless summer days on the lake. An additional observation deck provides the ideal setting for watching spectacular sunsets, entertaining friends, or simply unwinding after a day on the water. Thoughtfully renovated in 2019, this stunning home offers over 6,100 finished square feet across three levels, showcasing soaring 21-foot vaulted wood-beam ceilings, walls of windows, and an open, light-filled floor plan designed to maximize the incredible lake views. The chef's kitchen is truly the heart of the home, anchored by an oversized 8' x 6' Carrara marble island, stainless steel appliances, and a spacious walk-in pantry with integrated laundry. The lakeside primary suite features vaulted ceilings, private deck access, dual walk-in closets, a jetted tub, and double vanity. A spiral staircase leads to a loft overlooking the great room, along with an additional bedroom and private bath. The walkout lower level was designed with entertaining in mind, offering a spacious family room, recreation area, four additional bedrooms, and two full bathrooms, providing plenty of room for family, friends, and guests. This property has been thoughtfully enhanced to create an even better experience for owners and guests alike. Recent improvements include fresh interior paint throughout, a newly finished garage transformed into an incredible game room complete with a large TV, arcade game, ping pong table, and pool table, a new Tesla EV charger, a recently power-washed exterior, a brand-new outdoor playset, and a dedicated fitness area in the garden shed. New deck and dock furniture create inviting spaces to relax and entertain, and a brand-new sauna will be installed prior to closing, providing the perfect place to unwind after an unforgettable day on the water. Sold fully furnished and completely turn-key, this home is ready for immediate enjoyment. From the furniture and dcor to the entertainment spaces and outdoor amenities, everything has been thoughtfully curated so you can simply arrive and start enjoying lake life. Already an established and highly successful short-term rental, the property generated approximately $160,000 in rental income in 2025, making it an outstanding investment opportunity while also serving as an incredible personal waterfront retreat. Whether you're boating, swimming, paddle boarding, kayaking, fishing from your dock, relaxing in the gazebo, gathering around the lakeside fireplace, enjoying dinner on the deck, or ending the evening watching the sunset, every day feels like a vacation here. This is more than just a home; it's a place where family and friends gather, lifelong memories are made, and the very best of Lake Anna waterfront living comes to life. Conveniently located less than two hours from Washington, D.C., this home is the perfect weekend escape or full-time residence. Enjoy easy access to Lake Anna favorites including Tim's at Lake Anna, The Cove Restaurant, Moo-Thru Ice Cream & Mini Golf, local marinas, wineries, breweries, and everything that makes Lake Anna one of Virginia's premier waterfront destinations.
Listed by Ashley Hoffman of Lake Anna Island Realty,Inc.

Driving Directions

Railey Vacations
Railey Vacations
Office: 301-387-2124
5 Vacation Way
McHenry, MD 21541

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More Info

Location Information

  • Date Listed04/21/2026
  • ZoningRR
  • UsmAreaMineral

School Information

  • Junior HighPost Oak
  • High SchoolSpotsylvania
  • Elementary SchoolLivingston

Parking

  • Parking FeaturesConcrete Driveway, Gravel Driveway
  • Parking TypesAttached Garage, Driveway, Off Street
  • Total Garage And Parking Spaces12

Building

  • ViewWater, Trees/Woods, Scenic Vista, Lake
  • Water Oriented YNYes
  • Rooms
    • Bedroom 2
    • Bedroom 3
    • Bedroom 4
    • Bedroom 5
    • Bedroom 6
    • Bonus Room
    • Breakfast Room
    • Dining Room
    • Family Room
    • Foyer
    • Full Bath
    • Kitchen
    • Laundry
    • Loft
    • Primary Bathroom
    • Primary Bedroom
    • Recreation Room
  • Door FeaturesInsulated
  • Rooms Total21
  • Walls CeilingsVaulted Ceilings,9'+ Ceilings,2 Story Ceilings, Beamed Ceilings, Dry Wall, Wood Ceilings
  • Interior FeaturesBathroom - Jetted Tub, Bathroom - Walk-In Shower, Breakfast Area, Built-Ins, Ceiling Fan(s), Combination Kitchen/Dining, Curved Staircase, Dining Area, Exposed Beams, Entry Level Bedroom, Family Room Off Kitchen, Kitchen - Eat-In, Kitchen - Island, Pantry, Primary Bath(s), Recessed Lighting, Skylight(s), Wainscotting, Upgraded Countertops, WhirlPool/HotTub, Wood Floors
  • Association Fee$540
  • Association Fee FrequencyAnnually
  • Association Fee IncludesCommon Area Maintenance, Pier/Dock Maintenance, Road Maintenance, Security Gate, Snow Removal
  • Association NameKELLY'S LANDING
  • Security FeaturesExterior Cameras
  • Vacation Rental YNYes
  • Association YNYes
  • High School DistrictSpotsylvania County Public Schools
  • LocationTypeLake
  • Broker NameLake Anna Island Realty
  • Building Number6406
  • DirectionsStarting from Food Lion at Lake Anna (11010 Kentucky Springs Rd), turn left onto Courthouse Rd. At the traffic circle, take the first exit onto Zachary Taylor Hwy (rt522) and continue for 5 miles. Turn right on Monrovia Rd. Turn left on Carter Ln. Follow to the end, house is at cut-de-sac. See the sign!
  • Num Attached Garage Spaces2
  • Lower Levels Total Baths2
  • Lower Level1 Total Baths2
  • Lower Level1 Full Baths2
  • Lower Level1 Bedrooms4
  • Lower Levels Total Bedrooms4
  • Lower Levels Total Full Baths2
  • Main Level Total Baths2
  • Main Level Bedrooms2
  • Main Level Full Baths2
  • Upper Levels Total Full Baths1
  • Upper Levels Total Bedrooms1
  • Upper Levels Total Baths1
  • Upper Level1 Bedrooms1
  • Upper Level1 Full Baths1
  • Upper Level1 Total Baths1
  • Story ListLower 1, Main, Upper 1
  • Structure Design TypeDetached
  • Construction MaterialsBrick
  • Property StyleRanch/Rambler, Loft with Bedrooms, Loft
  • Bedrooms7
  • Basement
    • Connecting Stairway
    • Daylight
    • Full
    • Full
    • Fully Finished
    • Heated
    • Improved
    • Interior Access
    • Outside Entrance
    • Rear Entrance
    • Side Entrance
    • Walkout Level
    • Windows
  • Full Bath5
  • Bathroom5
  • Laundry TypeMain Floor, Hookup, Has Laundry, Dryer In Unit, Washer In Unit
  • Levels2.5
  • Fireplace FeaturesGas/Propane
  • Fireplace YNYes
  • Fireplace1
  • Garage TypeGarage - Side Entry, Garage Door Opener, Inside Access, Oversized, Additional Storage Area
  • Garage Spaces2
  • GarageYes
  • Patio And Porch FeaturesDeck(s), Patio(s)

Basic Information

  • MLS NumberVASP2041184
  • Ownership InterestFee Simple
  • List Price$1,899,000
  • Square Feet6,189
  • Acreage3.53
  • Year Built1994
  • MLS Property TypeResidential
  • StatusACT
  • HOA Fee540.00 / Annually

Basic Information

Property

  • Road ResponsibilityPrivate
  • Road Surface TypeTar and Chip
  • New Construction YNN
  • Lot Description
    • Cul-de-sac
    • Fishing Available
    • Front Yard
    • Landscaping
    • Partly Wooded
    • Premium
    • Private
    • Rear Yard
    • Rip-Rapped
    • Rural

Exterior

  • RoofShingle
  • FoundationBrick/Mortar
  • Window FeaturesInsulated
  • Exterior FeaturesBBQ Grill, Boat Storage, Extensive Hardscape, Exterior Lighting, Hot Tub, Outbuilding(s), Stone Retaining Walls, Sidewalks, Play Area

Property Information

  • Lot Size Square Feet153,767
  • Above Grade Finished Area3980
  • Below Grade Area Total2,209
  • Below Grade Finished Area2209

Amenities

  • PoolNo Pool
  • Slips1
  • Amenities
    • Boat Dock/Slip
    • Boat Ramp
    • Common Grounds
    • Gated Community
    • Lake
    • Mooring Area
    • Picnic Area
    • Pier/Dock
    • Tot Lots/Playground
    • Water/Lake Privileges
  • PricePerSqFt477
  • Other Amenities
    • Basement
    • Dock
    • Fireplace
    • Garden
    • Golf
    • Water View
    • Waterfront

Other

  • Other Structures ListBoat House, Gazebo, Shed
  • Additional Parcels YNN
  • View Count1

Tax Information

  • Total Taxes Payment FrequencyAnnually
  • Tax Total Finished Sq Ft4,864
  • Tax Assessment Amount1336600
  • Tax Year2025
  • Taxes$9,815
  • County Tax$9,814
  • County Tax Payment FrequencyAnnually
  • Assessment Year2025

Location

  • Address6406 Carter Lane
  • Area Total6,189
  • SubdivisionKellys Landing
  • TownMineral
  • StateVA
  • Zip23117
  • CountySpotsylvania

Interior

  • FlooringWood, Luxury Vinyl Plank, Tile/Brick
  • Appliances Included
    • Built-In Microwave
    • Compactor
    • Dishwasher
    • Dryer
    • Extra Refrigerator/Freezer
    • Freezer
    • Microwave
    • Oven - Wall
    • Refrigerator
    • Stainless Steel Appliances
    • Stove
  • Heating YNYes
  • CoolingCeiling Fan(s), Central A/C, Zoned
  • Basement YNYes
  • FurnishedYes

Utilities

  • UtilitiesCable TV, Propane, Under Ground
  • Water SourceWell
  • SewerOn Site Septic, Septic < # of BR, Gravity Sept Fld, Approved System
  • Central Air YNYes
  • Cooling FuelElectric
  • Water HeaterPropane, Tankless, Multi-tank
  • Heating FuelElectric, Propane - Leased
  • Electric200+ Amp Service
  • Heat SystemForced Air, Heat Pump - Gas BackUp
  • Internet ServicesFiber Optic

Water Body

  • Water View YNYes
  • Waterfront FeaturesPrivate Dock Site, Rip-Rap, Navigable Water
  • WaterfrontYes
  • Water Body TypeLake
  • Water Body NameLake Anna
  • Water FeaturesBoat - Powered, Canoe/Kayak, Fishing Allowed, Personal Watercraft (PWC), Seaplane Permitted, Sail, Swimming Allowed, Waterski/Wakeboard, Public Access
  • Water AccessYes
  • Dock Type And FeaturesMaterial - Composite, Single Slip, Storage Area, Sun Deck
  • Dock Slip Conveyance MultiPhysical Dock/Slip Conveys, Exclusive Use
  • Dock1

Copyright 2026 BRIGHT, All Rights Reserved.  Information Deemed Reliable But Not Guaranteed. The data relating to real estate for sale on this website appears in part through the BRIGHT Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms in which Railey Vacations participates, and is provided by BRIGHT through a licensing agreement. The information provided by this website is for the personal, non-commercial use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.Data last updated August 4, 2026. Some properties which appear for sale on this website may no longer be available because they are under contract, have Closed or are no longer being offered for sale.

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