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What if you could own your own piece of Lake Anna waterfront, enjoy water views from your home, and have the space and privacy of a beautiful new construction property without paying the price of a home directly on the shoreline? Welcome to the Madison model by Danaf Homes in Covenant Coves, where this unique opportunity becomes reality. Along with over 3,000 square feet of thoughtfully designed living space, this property includes a deeded 40-foot waterfront outparcel less than three blocks away, with shared dock access and the ability to build your own private boathouse. A boathouse plat is already in hand! As you pull up, take a moment to appreciate the setting. The private lot offers room to spread out, while views of Lake Anna add something special to the surroundings. You have the privacy of a separate homesite while still owning waterfront property just a short distance away. Step inside, and the natural light immediately welcomes you. The grand main living area feels open, bright, and inviting, with plenty of space for gathering and everyday living. With four bedrooms, three full bathrooms, and a spacious loft, the floor plan offers flexibility without sacrificing comfort. The family room is centered around a propane fireplace with a beautiful slate surround, creating a warm gathering space that flows naturally into the kitchen and dining areas. Luxury vinyl plank flooring throughout the main level and bedrooms adds a cohesive, polished look. The kitchen offers quartz countertops, an oversized island, farmhouse sink, upgraded stainless steel appliances, crisp white cabinetry, and matte black finishes. It's a space designed for both everyday functionality and entertaining, with the dining area opening to the backyard. The primary suite offers a spacious retreat with a beautifully finished bathroom featuring a tiled shower, soaking tub, and dual quartz vanity. A main-level bedroom and full bathroom provide additional flexibility for guests, a home office, or multigenerational living. Upstairs, two additional bedrooms, another full bathroom, and a versatile loft give you even more usable living space. Whether you envision movie nights, a game room, or a second gathering area, there's room to make it your own. Now let's talk about what makes this property truly different. **The home itself is not waterfront, but the property includes actual deeded waterfront ownership.** Less than three blocks from the house, you'll own a separate 40-foot waterfront outparcel with shared dock access and the ability to build your own private boathouse. A boathouse plat is available, giving you a valuable starting point for planning your waterfront improvements. The home also offers water views, bringing the lake into your everyday surroundings. This is more than community lake access. It's an opportunity to own waterfront property while enjoying the space, privacy, and comfort of a separate new construction home. Builder incentives are also available! Qualified buyers financing through the builder's preferred lending partner may be eligible for a temporary first-year interest rate buydown and closing cost assistance, potentially reducing their first-year monthly principal and interest payment compared with a loan without the buydown. Over 3,000 square feet, four bedrooms, three bathrooms, a grand living area, water views, a private lot, and your own deeded waterfront outparcel with boathouse potential. Come see why this Covenant Coves property offers a different way to own at Lake Anna. Schedule your private tour today. *Builder financing incentives are subject to eligibility, program terms, availability, and change without notice. Boathouse construction remains subject to applicable permitting and approvals.*

Highlights

  • Residential
  • Single Family Residence
  • New Construction
  • Built in 2026
  • 0.92 Acre Lot
  • $610/yr HOA
  • Waterfront
  • 2 Car Garage
  • 291 days on Market

  • Bedrooms
    4
  • Bathrooms
    3
  • Year Built
    2026
  • Architectural Style
    Craftsman
  • Construction Materials
    Frame
  • Garage Spaces
    2.0
  • Parking Features
    Attached, Garage Door Opener, Garage
  • Living Area
    3114.0
  • Interior Features
    Ceiling Fan(s), Walk-In Closet(s), Vaulted Ceiling(s), Kitchen Island, High Ceilings, Open Floorplan, Soaking Tub
  • Appliances
    Dishwasher, Electric Water Heater, Microwave, Oven
  • Flooring
    Vinyl
  • Patio And Porch
    Deck, Porch
  • Pool Features
    None
  • Cooling
    Ceiling Fan(s), Central Air, Electric
  • Heating
    Electric, Heat Pump
  • Basement
    Crawl Space

  • Acres
    0.92
  • Lot Features
    Waterfront
  • Water Front Features
    Lake
  • Water Front
    Yes
  • View
    Lake, Water
  • Water
    Well

  • County
    Louisa
  • City
    Bumpass
  • Neighborhood
    COVENANT COVE
  • Zip Code
    23024
  • High School
    LOUISA COUNTY
  • Middle School
    LOUISA COUNTY
  • Elementary School
    JOUETT

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Frequently Asked Questions

How do I schedule a tour of 172 Covenant Way?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 172 Covenant Way.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 172 Covenant Way?

Click Ask a Question to talk with our team. You already know it is a 4 bed, 3 bath, listed for $599,900. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Bumpass, and can even get you in to see the property quickly.

How do I get a virtual tour of 172 Covenant Way?

Yes! A virtual tour is available for 172 Covenant Way. Click here to view the full walkthrough and explore every room at your own pace. If you would like a guided virtual showing or have questions along the way, we can connect you with our local expert to walk you through it live.

How much is the monthly mortgage payment for 172 Covenant Way?

With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 172 Covenant Way at around $3,462. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 172 Covenant Way?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Louisa County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 172 Covenant Way?

In most cases, yes. Whether 172 Covenant Way is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Bumpass's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 172 Covenant Way?

We can handle that for you. Our preferred local agent specializes in residentials in Bumpass and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $599,900 with 3,114 sqft of space—that comes out to approximately $193 per square foot.

How long has this property been on the market?

172 Covenant Way was listed on January 22, 2026, which means it's been on the market for 291 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 2026, making it approximately 0 years old.

What is the lot size of this property?

172 Covenant Way sits on a 0.92-acre lot, which is 40,075 square feet.

What schools are assigned to this property?

Based on MLS info, this home is zoned for:

  • Elementary: JOUETT
  • Middle: LOUISA COUNTY
  • High: LOUISA COUNTY

Want to see how these schools compare? Check out our Louisa County School Guide to see ratings, reviews, and more for the schools in the area.

What are the property taxes for 172 Covenant Way?

The most recent public record shows annual property taxes for 172 Covenant Way were approximately $575. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.

Is there an HOA fee for this property, and what does it cover?

This home has an HOA fee of $610 paid annually.

This covers access to community features including: Picnic Area, Boat Dock, Boating, Boat Slip.

Is 172 Covenant Way still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data

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Listing information provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed by the MLS. Copyright 2026, Bright. All rights reserved.

Last Updated: November 09, 2026 at 05:22PM | Source: Bright | MLS#: VALA2009180