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Under contract
    • $900,000

    3807 Bear Tree Ln, Bumpass, VA 23024

    3beds
    3,008sqft
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    Single Family Residence
    Built in 1984
    2.95 Acres Lot
    $855,400 Zestimate®
    $299/sqft
    $17/mo HOA

    What's special

    Two separate outbuildingsNew roofDining areaSingle garage
    Situated on 3 private acres with 140' of waterfront, this recently renovated 3-bed, 3-bath home on the public side of Lake Anna offers an unparalleled opportunity to create your personal private retreat. The main level has 3 bedrooms, a kitchen, a dining area, a family room with a wood-burning fireplace, and a den with a gas fireplace. In addition, the basement has a rec room and two additional rooms that have been used as bedrooms (not to code). The 2024 renovation included new flooring throughout the home, updated/new bathrooms, an updated kitchen with new appliances, and a new roof. Outside, there is a front porch with sunset views, and in the rear, a full house-width deck with a hot tub. The semi-enclosed boat house has 2 slips (with lifts) and a large sundeck above that provides a great place for relaxing or entertaining, and water views up the cove. A separate screened, overwater gazebo is the perfect location for dining. Two separate outbuildings, a single garage, and an oversized shed provide ample storage for all your lake toys! The home is minutes from Dukes Creek Marina and a short drive to all of the lake's other amenities; Lake Anna Winery, Food Lion etc., and also has easy access to Fredericksburg and I95.
    121 days
    |
    661
    |
    32
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Mike Stevens 804-338-7294,

    Lake Homes Realty, LLC

    Source: Bright MLS,MLS#: VASP2039710MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 3
      • Full bathrooms: 3
      • Main level bathrooms: 2
      • Main level bedrooms: 3
      Rooms
      • Room types: Dining Room, Bedroom 2, Bedroom 3, Kitchen, Family Room, Den, Bedroom 1, Study, Office, Recreation Room, Bathroom 1, Bathroom 2, Bathroom 3
      Bedroom 1
      • Features: Flooring - Luxury Vinyl Plank, Window Treatments
      • Level: Main
      • Area: 210 Square Feet
      • Dimensions: 15 X 14
      Bedroom 2
      • Features: Flooring - Luxury Vinyl Plank, Window Treatments
      • Level: Main
      • Area: 169 Square Feet
      • Dimensions: 13 X 13
      Bedroom 3
      • Features: Flooring - Luxury Vinyl Plank, Flooring - Luxury Vinyl Tile, Window Treatments
      • Level: Main
      • Area: 150 Square Feet
      • Dimensions: 10 X 15
      Bathroom 1
      • Level: Main
      Bathroom 1
      • Features: Bathroom - Walk-In Shower, Flooring - Luxury Vinyl Plank
      • Level: Main
      Bathroom 2
      • Features: Bathroom - Tub Shower, Flooring - Luxury Vinyl Plank
      • Level: Main
      Bathroom 3
      • Features: Bathroom - Walk-In Shower, Flooring - Ceramic Tile
      • Level: Lower
      Den
      • Features: Fireplace - Gas, Flooring - Luxury Vinyl Plank, Cathedral/Vaulted Ceiling
      • Level: Main
      • Area: 250 Square Feet
      • Dimensions: 25 X 10
      Dining room
      • Features: Flooring - Luxury Vinyl Plank, Window Treatments
      • Level: Main
      • Area: 132 Square Feet
      • Dimensions: 12 X 11
      Family room
      • Features: Fireplace - Wood Burning, Flooring - Luxury Vinyl Plank, Window Treatments
      • Level: Main
      • Area: 280 Square Feet
      • Dimensions: 20 X 14
      Kitchen
      • Features: Granite Counters, Flooring - Luxury Vinyl Plank, Kitchen - Electric Cooking, Eat-in Kitchen, Recessed Lighting
      • Level: Main
      • Area: 224 Square Feet
      • Dimensions: 16 X 14
      Office
      • Features: Flooring - Luxury Vinyl Plank
      • Level: Lower
      • Area: 110 Square Feet
      • Dimensions: 11 X 10
      Recreation room
      • Features: Flooring - Luxury Vinyl Plank
      • Level: Lower
      • Area: 384 Square Feet
      • Dimensions: 32 X 12
      Study
      • Features: Flooring - Luxury Vinyl Plank
      • Level: Lower
      • Area: 80 Square Feet
      • Dimensions: 8 X 10
      Heating
      • Heat Pump, Electric, Propane, Wood
      Cooling
      • Heat Pump, Central Air, Electric
      Appliances
      • Included: Microwave, Built-In Range, Central Vacuum, Dishwasher, Dryer, Exhaust Fan, Ice Maker, Self Cleaning Oven, Oven, Oven/Range - Electric, Refrigerator, Stainless Steel Appliance(s), Water Heater, Disposal, Washer, Tankless Water Heater, Water Treat System, Electric Water Heater
      • Laundry: Has Laundry, Main Level
      Features
      • Attic, Built-in Features, Ceiling Fan(s), Central Vacuum, Combination Kitchen/Dining, Dining Area, Family Room Off Kitchen, Floor Plan - Traditional, Eat-in Kitchen, Kitchen - Table Space, Pantry, Bathroom - Tub Shower, Walk-In Closet(s), Upgraded Countertops, Recessed Lighting, Kitchen - Gourmet, Entry Level Bedroom, Bathroom - Walk-In Shower, Exposed Beams, Primary Bath(s), Dry Wall
      • Flooring: Ceramic Tile, Luxury Vinyl, Wood
      • Windows: Double Hung, Energy Efficient, Low Emissivity Windows, Window Treatments
      • Basement: Finished,Heated,Improved,Sump Pump,Water Proofing System,Windows,Interior Entry,Partial
      • Number of fireplaces: 2
      • Fireplace features: Gas/Propane, Wood Burning, Other
      Interior area
      • Total structure area: 3,008
      • Total interior livable area: 3,008 sqft
      • Finished area above ground: 2,107
      • Finished area below ground: 901

      Property

      Parking
      • Total spaces: 3
      • Parking features: Garage Faces Front, Gravel, Lighted, Private, Attached, Driveway, Detached
      • Attached garage spaces: 3
      • Has uncovered spaces: Yes
      Accessibility
      • Accessibility features: Accessible Doors
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Deck, Porch
      • Exterior features: Flood Lights, Satellite Dish, Storage, Sidewalks
      • Pool features: None
      • Spa features: Hot Tub
      • Has view: Yes
      • View description: Water, Lake, Trees/Woods
      • Has water view: Yes
      • Water view: Water,Lake
      • Waterfront features: Private Dock Site, Lake, Limited hours of Personal Watercraft Operation (PWC), Private Access, Seaplane Permitted, Swimming Allowed, Waterski/Wakeboard, Boat - Powered, Canoe/Kayak, Fishing Allowed, Public Access, Beach Access, Sail
      • Body of water: Lake Anna
      • Frontage length: Water Frontage Ft: 140
      Lot
      • Size: 2.95 Acres
      • Features: Wooded, Open Lot, Private, Rear Yard, Rural, Cleared, Front Yard, Fishing Available, No Thru Street, Premium, Secluded
      Details
      • Additional structures: Above Grade, Below Grade, Outbuilding
      • Additional parcels included: The property sits on two lots. Lot 7 with the house is 1.96 acres, and Lot 8 is 1 acre (2.96 acres total).
      • Parcel number: 80B17
      • Zoning: RR
      • Special conditions: Standard

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Ranch/Rambler
      • Property subtype: Single Family Residence
      Materials
      • Block, Brick, Frame, Vinyl Siding
      • Foundation: Block
      • Roof: Architectural Shingle
      Condition
      • New construction: No
      • Year built: 1984
      • Major remodel year: 2024

      Utilities & green energy

      • Sewer: On Site Septic
      • Water: Well
      • Utilities for property: Propane

      Community & HOA

      Community
      • Security: Main Entrance Lock, Smoke Detector(s), Carbon Monoxide Detector(s), Exterior Cameras
      • Subdivision: Bear Tree Cove
      HOA
      • Has HOA: Yes
      • Services included: Snow Removal, Common Area Maintenance, Road Maintenance, Other
      • HOA fee: $200 annually
      • HOA name: BEAR TREE HOA
      Location
      • Region: Bumpass

      Financial & listing details

      • Price per square foot: $299/sqft
      • Tax assessed value: $550,700
      • Annual tax amount: $3,933
      • Date on market: 3/12/2026
      • Listing agreement: Exclusive Right To Sell
      • Listing terms: Cash,Conventional,FHA,VA Loan,Other
      • Inclusions: Property Is A Combination Of 2 Lots, 7 & 8 (tax Id's: 80b1-7- And 80b1-8-). See Docs For Tax Information And Plat / Survey.
      • Ownership: Fee Simple

        Estimated market value

        $855,400

        $813,000 - $898,000

        $2,994/mo

        Price history

        DateEventPrice
        6/30/2026Contingent$900,000$299/sqft
        Source: Bright MLS #VASP2039710 Report a problem
        3/12/2026Listed for sale$900,000+0%$299/sqft
        Source: Bright MLS #VASP2039710 Report a problem
        12/18/2025Listing removed$899,900$299/sqft
        Source: Bright MLS #VASP2032560 Report a problem
        12/2/2025Listed for sale$899,900$299/sqft
        Source: Bright MLS #VASP2032560 Report a problem
        11/26/2025Contingent$899,900$299/sqft
        Source: Bright MLS #VASP2032560 Report a problem
        11/10/2025Price change$899,900-5.3%$299/sqft
        Source: Bright MLS #VASP2032560 Report a problem
        10/7/2025Price change$949,900-5%$316/sqft
        Source: Bright MLS #VASP2032560 Report a problem
        9/2/2025Price change$999,900-4.8%$332/sqft
        Source: Bright MLS #VASP2032560 Report a problem
        7/7/2025Price change$1,049,900-2.3%$349/sqft
        Source: Bright MLS #VASP2032560 Report a problem
        6/4/2025Price change$1,074,900-2.3%$357/sqft
        Source: Bright MLS #VASP2032560 Report a problem
        5/5/2025Listed for sale$1,099,900+77.4%$366/sqft
        Source: Bright MLS #VASP2032560 Report a problem
        11/6/2020Sold$620,000-4.6%$206/sqft
        Source: Long & Foster Broker Feed #VASP223854_100 Report a problem
        9/14/2020Pending sale$650,000$216/sqft
        Source: Long & Foster REALTORS #VASP223854 Report a problem
        7/27/2020Listed for sale$650,000+85.7%$216/sqft
        Source: Long & Foster Real Estate, Inc. #VASP223854 Report a problem
        5/20/2010Sold$350,000$116/sqft
        Source: Agent Provided Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$2,954 -0.4%$402,300 -0.4%
        2024$2,966 +9%$403,900 +14.6%
        2023$2,720 +4.6%$352,500
        2022$2,600 +3.6%$352,500 +13.7%
        2021$2,509 +14.6%$310,000 +14.6%
        2020$2,190 -3.1%$270,600 +1.4%
        2019$2,261 +1.7%$266,800
        2018$2,222 -1%$266,800 +1%
        2017$2,246 $264,200
        2016-- $264,200 +0.2%
        2015-- $263,800
        2014-- $263,800 +5.3%
        2013-- $250,500 +1.4%
        2012-- $247,000 -3.9%
        2011-- $257,100
        2010-- $257,100 -21.2%
        2009-- $326,400 +2.2%
        2007$1,981 $319,500
        2006$1,981 -7.6%$319,500 +32.6%
        2005$2,145 +3.5%$241,000
        2004$2,073 +2.3%$241,000 +20.2%
        2003$2,025 $200,500
        2002$2,025 +16.6%$200,500 +23.5%
        2001$1,737 $162,300
        Find assessor info on the county website

        Monthly payment

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        Payment breakdown

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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 23024

        Getting around

        0 / 100
        Car-Dependent
        8 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • District: Spotsylvania County Public Schools

        Source: Bright MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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