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$1,899,000
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Property Description
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 décor 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.
Full Property Details
Full Property Details for 6406 Carter Ln
General
- Price: $1,899,000
- HOA FEE: $45/month
- HOA FEE FREQ.: Annually
- Taxes: $9,815 (2025)
- Status: Active
- Type: Single Family
- Source: BrightMLSMidAtlantic
- MLS ID: VASP2041184
- Updated: 7/22/2026
- Added to Site: 115 day(s) ago
Interior
- Number of Rooms: 21
- Rooms/Areas: Dining Room, Primary Bedroom, Bedroom 2, Bedroom 3, Bedroom 4, Bedroom 5, Kitchen, Family Room, Foyer, Breakfast Room, Laundry, Loft, Recreation Room, Bedroom 6, Bonus Room, Primary Bathroom, Full Bath
- Interior Features: Bathroom - 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
- Fireplace: Yes
- Number of Fireplaces: 1
- Fireplace(s): Gas/Propane
- Appliances: Stove, Stainless Steel Appliances, Refrigerator, Oven - Wall, Microwave, Extra Refrigerator/Freezer, Freezer, Dryer, Dishwasher, Compactor, Built-In Microwave
- Furnished: Yes
- Flooring: Wood, Luxury Vinyl Plank, Tile/Brick
Rooms
Bathrooms
- Total Bathrooms: 5
- Full Bathrooms: 5
- Upper Floor Baths: 1
- Upper - Full Baths: 1
- Main Floor Baths: 2
- Main - Full Baths: 2
- Lower Floor Baths: 2
- Lower - Full Baths: 2
Bedrooms
- Total Bedrooms: 7
- Bedrooms Upper: 1
- Bedrooms Lower: 4
- Bedrooms Main & Up: 2
Other Rooms
- Laundry: Main Floor, Hookup, Has Laundry, Dryer In Unit, Washer In Unit
Additional Information
- Shared Amenities: Boat Dock/Slip, Boat Ramp, Common Grounds, Gated Community, Lake, Mooring Area, Picnic Area, Pier/Dock, Tot Lots/Playground, Water/Lake Privileges
- Security/Safety: Exterior Cameras
Exterior
- Exterior Features: BBQ Grill, Boat Storage, Extensive Hardscape, Exterior Lighting, Hot Tub, Outbuilding(s), Stone Retaining Walls, Sidewalks, Play Area
- Porch/Patio/Deck: Deck(s), Patio(s)
Parking
- Garage: Yes
- Garage Spaces: 2
- Total Spaces: 12
- Parking Features: Concrete Driveway, Gravel Driveway
- Parking Type: Attached Garage, Driveway, Off Street
- Garage Description: Garage - Side Entry, Garage Door Opener, Inside Access, Oversized, Additional Storage Area
Location
- County: SPOTSYLVANIA
- Subdivision: KELLYS LANDING
- Driving Directions: Starting 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!
- Location Details: Lake
School Information
- School District: Spotsylvania County Public Schools
- Elementary School: Livingston
- Middle School: Post Oak
- High School: Spotsylvania
Community
- Association: Yes
- Assoc. Name: KELLY'S LANDING
- Assoc. Fees Include: Common Area Maintenance, Pier/Dock Maintenance, Road Maintenance, Security Gate, Snow Removal
Heating & Cooling
- Central air: Yes
- Cooling Type: Ceiling Fan(s), Central A/C, Zoned
- Cooling Fuel: Electric
- Heating Type: Forced Air, Heat Pump - Gas BackUp
- Heating Fuel: Electric, Propane - Leased
- Water Heater: Propane, Tankless, Multi-tank
Utilities
- Sewer: On Site Septic, Septic < # of BR, Gravity Sept Fld, Approved System
- Water: Well
- Utility Description: Cable TV, Propane, Under Ground
Structural Information
- Architectural Style: Ranch/Rambler, Loft with Bedrooms, Loft
- Structure Type: Detached
- Construction: Brick
- Basement: Yes
- Basement Entrance: Yes
- Basement Desc.: Connecting Stairway, Daylight, Full, Fully Finished, Full, Heated, Improved, Interior Access, Outside Entrance, Rear Entrance, Side Entrance, Walkout Level, Windows
- Foundation: Brick/Mortar
- Roof: Shingle
- Walls/Ceilings: Vaulted Ceilings, 9'+ Ceilings, 2 Story Ceilings, Bea
- Windows: Insulated
- Doors: Insulated
- Stories Description: Lower 1, Main, Upper 1
- Square Feet: 6,189
- Sq. Ft. Source: Estimated
- Living Area: 6,189 Sq. Ft.
- Finished Above Grnd: 3,980 Sq. Ft.
- Finished Below Grnd: 2,209 Sq. Ft.
- Year Built: 1994
- Year Built Source: Assessor
Unit Information
Unit 1
- Bathrooms-Lower: 2
- Bedrooms-Lower: 4
Additional Structures
- Other Structures: Boat House, Gazebo, Shed
Lot Features
- Property View: Water, Trees/Woods, Scenic Vista, Lake
- Lot Size (Acres): 3.53
- Lot Size (Sq. Ft.): 153,767
- Lot Size Source: Assessor
- Street/Road Desc.: Tar and Chip
- Zoning: RR
- Lot Description: Cul-de-sac, Fishing Available, Front Yard, Landscaping, Partly Wooded, Premium, Private, Rear Yard, Rip-Rapped, Rural
Water Features
- Water Front: Yes
- Water View: Yes
- Navigable Water: Yes
- Water Access: Yes
- Water Access Desc: Boat - Powered, Canoe/Kayak, Fishing Allowed, Personal Watercraft (PWC), Seaplane Permitted, Sail, Swimming Allowed, Waterski/Wakeboard, Public Access
- Water Front Type: Lake
- Water Front Name: Lake Anna
- Dock/Slip Conveys: Yes
- Docks: 1
- Power Boats: 6
- Non-Power Boats: 6
Financial Considerations
- Price Per Sq. Ft.: $477.14
- Association Fee: $540
- Assoc Fee Freq.: Annually
- Assessment Year: 2025
- City/TownTax Freq: Annually
- County Tax: $9,814
- County Tax Freq: Annually
- Tax w/Assessment: $1,336,600
- Tax Amount: $9,815
- Tax Year: 2025
- Tax Total Finished Sq. Ft.: 4864
Disclosures and Reports
- Ownership: Fee Simple
- Inclusions: Property comes fully furnished!
- Lot Number: 5
Listed by Lake Anna Island Realty, Ashley Hoffman
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Schools
Schools serving 6406 Carter Ln
School District:Spotsylvania County Public Schools
| Name | Grades | Distance |
|---|---|---|
Livingston Elementary School 6057 Courthouse Rd, Spotsylvania Courthouse, VA 22551 | PK-5 | 8.7 mi |
Post Oak Middle School 6959 Courthouse Rd, Spotsylvania Courthouse, VA 22553 | 6-8 | 12.9 mi |
Spotsylvania High School 6975 Courthouse Rd, Spotsylvania Courthouse, VA 22551 | 9-12 | 13.3 mi |
Disclaimer:
School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 6406 Carter Ln
Date
Details
Price
Change
Source
7/22/2026
Price Reduced
$1,899,000
-2.57%
MLS
5/13/2026
Price Reduced
$1,949,000
-2.01%
MLS
4/21/2026
Listed
$1,989,000
6.08%
MLS
4/29/2022
Sold
$1,875,000
—
Public Record
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Tax History
Tax History for 6406 Carter Ln
Year
Property Taxes
Change
Tax Assessment
Change
2026
$10,132
3%
$1,374,200
3%
2025
$9,815
—
$1,336,600
—
2024
$9,815
40%
$1,336,600
47%
2023
$7,021
5%
$909,800
1%
2022
$6,664
2%
$903,300
12%
2021
$6,533
—
$807,200
—
2020
$6,533
-2%
$807,200
3%
2019
$6,641
2%
$783,700
—
2018
$6,528
—
$783,700
2%
2017
$6,544
—
$769,900
—
2016
$6,544
-10%
$769,900
-9%
2015
$7,274
—
$845,800
—
2014
$7,274
-1%
$845,800
1%
2013
$7,360
—
$836,400
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Estimate the Cost
Estimate the Cost for 6406 Carter Ln
6406 Carter Lane, Mineral, VA 23117 (MLS# VASP2041184) is a Single Family property with 7 bedrooms and 5 full bathrooms. 6406 Carter Lane is currently listed for $1,899,000 and was received on April 21, 2026. Want to learn more about 6406 Carter Lane? Do you have questions about finding other Single Family real estate for sale in Mineral? You can browse all Mineral real estate or contact a Coldwell Banker agent to request more information.

