6406 CARTER Lane, MINERAL, VA 23117

*DISCOUNTED MONTHLY PAYMENT AVAILABLE* 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 decor 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. See rental history and a rental projection in MLS documents section! *Discounted monthly payment with seller's preferred lender. Savings up to $976 per month. Contact listing agent or see document section for more details.*