401 Loyalist Dr

$559,900
Price
1,730 Sq. Ft.
$324 / Sq. Ft.
1,730
Sq. Ft.
$324
per Sq. Ft.

Description

Amazing lakefront one story home in beautiful lake caroline ! Home sits on almost an acre on " ladysmith lake " for your own private oasis! Retire here & enjoy one story living at it's very best. Level lot with fenced backyard, patio area with path leading down to your very own boat dock to fish or swim any time you want! Enjoy your sunroom, screened porch & bbq deck. Inside you will find split bedroom floor plan with primary suite on one whole side of the house with a palladium window, sitting area...Amazing lakefront one story home in beautiful lake caroline ! Home sits on almost an acre on " ladysmith lake " for your own private oasis! Retire here & enjoy one story living at it's very best. Level lot with fenced backyard, patio area with path leading down to your very own boat dock to fish or swim any time you want! Enjoy your sunroom, screened porch & bbq deck. Inside you will find split bedroom floor plan with primary suite on one whole side of the house with a palladium window, sitting area & full bath with shower. Lots of upgrades throughout to include: new lvp, light fixtures, fans, vanity, shower. Gourmet kitchen, lots of counterspace, large pantry, eat in kitchen with bay window leading out to your deck, bbq & patio area. Side load oversized garage with ample parking spaces. Nice lawn all around on this corner lot on ladysmith lake! New roof in 2024 & cedar shake accents. Ladysmith lake is a 10 acre stocked lake for some good fishing & you still have access to lake caroline main lake of 277 acres to include: waterski, wakeboard, jet ski, kayak, fishing tournaments, 2 sandy beaches, swimming platforms, bath houses, pool, clubhouse, playgrounds, tennis, basketball, pickleball, movies & concerts on the beach - fun fun fun ! Lake caroline is located just off i-95 between ashland & fredericksburg close to shopping, wineries, local ymca, library, golf, community theater, farmers markets, virginia state fair grounds, kings dominion & the new kalahari waterpark coming soon ! Come check out this amazing one-story home on " the lake " ! Contingent upon owner finding home of choice
  1. Listed by Pam Lawrence • Brokerage DRE #226006837 • Hometown Realty
    P: (804)-450-0776 paml@htrsi.com
  2. Listed by Janice Lyerly • Brokerage DRE #226006837 • Hometown Realty
    P: (804)-495-6052 janicel@htrsi.com

Property Details for 401 Loyalist Drive

Architectural Style
Ranch
Community Features
Basketball Court, Beach, Clubhouse, Gated, Home Owners Association, Lake, Playground, Park, Pond, Pool, Tennis Courts, Bulkhead
Subdivision Name
Lake Caroline
Waterfront Features
Lake, Lake Front, Bulkhead, Waterfront
Waterfront
Yes
LISTING UPDATED: 12/09/2025 06:43 PM

Property Details for 401 Loyalist Drive

StatusActive
MLS #2525986
Days on Market114
Taxes$2,038 / year
HOA Fees$1,612 / year
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeResidential / Single Family Residence
Year Built2002
Lot Size0.87 AC / 37,753 SF
CountyCaroline County

Location

Listing Courtesy of Hometown Realty, Pam Lawrence; Hometown Realty, Janice Lyerly
Add your commute

Building Information for 401 Loyalist Drive

Stories1Year Built2002Building Size-Lot Size0.87 AC / 37,753 SF

Payment Calculator

$3,033 per month

30 year fixed, 6.15% Interest

Principal and Interest

$2,729

Property Taxes

$170

HOA Dues

$134

The Payment Calculator is for illustrative purposes only.

Property Information for 401 Loyalist Drive

Summary
Location and General Information
  • City: Ruther Glen
  • County Or Parish: Caroline
  • Directions: I-95 TO EXIT 104, W ON RT 207 TO 2ND STOP LIGHT, R RT 1 N FRO 3 MILES TO LAKE CAROLINE ON LEFT. STOP AT GATE FOR PASS/MAP. 1ST LEFT X OVER DAM & FOLLOW LAKE CAROLINE DR APPX 3 MILES, L LOYALIST TO HOUSE ON RT
  • Latitude: 37.981393
  • Longitude: -77.531028
  • Postal City: Ruther Glen
  • Postal Code: 22546
  • Postal Code Plus4: 5237
  • State Or Province: VA
  • Unparsed Address: 401 Loyalist Dr
  • View: Water
  • View: Yes
  • Water Body Name: LADYSMITH LAKE IN LAKE CAROLINE
  • Zoning Description: R1
Taxes and HOA Information
  • Association Fee: $1,612.00
  • Association Fee Frequency: Annually
  • Association Fee Includes: Clubhouse, Pools, Reserve Fund, Road Maintenance, Security
  • Association: Yes
  • Parcel Number: 67A5-1-1686
  • Tax Annual Amount: $2,037.53
  • Tax Assessed Value: $391,832.00
  • Tax Legal Description: LAKE CAROLINE LOT 1686 REVISED
  • Tax Lot: 1686
  • Tax Year: 2025
School Information
  • Elementary School: Lewis & Clark
  • High School: Caroline
  • Middle Or Junior School: Caroline
Parking
  • Attached Garage: Yes
  • Garage Spaces: 2
  • Garage: Yes
  • Parking Features: Attached, Circular Driveway, Garage, Garage Door Opener, Off Street, Garage Faces Rear, Garage Faces Side
  • Garage Parking Features: Attached, Circular Driveway, Garage, Garage Door Opener, Off Street, Garage Faces Rear, Garage Faces Side
Property
Lot Information
  • Above Grade Finished Area: 1730.0
  • Below Grade Finished Area: 0.0
  • Building Area Source: Assessor
  • Living Area: 1,730.00
  • Living Area Source: Assessor
  • Lot Features: Corner Lot, Waterfront
  • Lot Size Acres: 0.8667
  • Lot Size Area: 0.8667
  • Lot Size Units: Acres
  • Stories: 1
  • Stories Total: 1
  • Property Sub Type Additional: Single Family Residence
Property and Assessments
  • New Construction: No
  • Property Attached: No
  • Property Condition: Resale
  • Type of Property: Single Family
  • Property Sub Type: Single Family Residence
  • Property Type: Residential
  • Year Built: 2002
  • Year Built Details: Actual
  • Restrictions: Association Approval Required, Building Restrictions, Pet Restrictions, Waterfront Restrictions
Utilities
  • Sewer: Engineered Septic
  • Water Source: Public
Interior and Exterior Features
Exterior Features
  • Accessibility Features: Accessibility Features, Accessible Full Bath, Grab Bars
  • Exterior Features: Deck, Dock, Hot Tub Spa, Lighting, Storage, Shed, Gas Grill
  • Fencing: Fenced, Wood
  • Pool Features: Pool, Community
  • Roof: Composition
  • Security Features: Controlled Access, Gated Community
Interior Features
  • Appliances: Dryer, Dishwasher, Gas Cooking, Microwave, Propane Water Heater, Refrigerator, Stove, Washer
  • Basement: Crawl Space
  • Basement: No
  • Bathrooms Full: 2
  • Bathrooms Half: 0
  • Bathrooms Total Integer: 2
  • Bedrooms Total: 3
  • BathsTotal: 2.0
  • Room and Floor: Full Bath-First, Laundry-First, Bedroom 3-First, Bedroom 2-First, Primary Bedroom-First, Kitchen-First, Florida Room-First, Living Room-First
  • Room List: Full Bath, Laundry, Bedroom 3, Bedroom 2, Primary Bedroom, Kitchen, Florida Room, Living Room
  • Cooling: Central Air, Heat Pump
  • Cooling: Yes
  • Door Features: Storm Doors
  • Fireplace Features: Gas
  • Fireplaces Total: 1
  • Fireplace: Yes
  • Flooring: Partially Carpeted, Wood
  • Heating: Electric, Forced Air, Heat Pump
  • Heating: Yes
  • Interior Features: Breakfast Area, Bay Window, Ceiling Fans, Cathedral Ceilings, Built In Shower Chair
  • Levels: One
  • Patio And Porch Features: Rear Porch, Screened, Deck
  • Rooms Total: 6
  • Spa: Yes
Room Information
Room 1
  • Room Type 1: Full Bath
Room 2
  • Room Type 2: Full Bath
  • Room Description 2: Tub & Shower
  • Room Level 2: First
Room 3
  • Room Type 3: Laundry
  • Room Level 3: First
  • Room Length 3: 0.0
  • Room Width 3: 0.0
Room 4
  • Room Type 4: Bedroom3
  • Room Level 4: First
  • Room Length 4: 0.0
  • Room Width 4: 0.0
Room 5
  • Room Type 5: Bedroom2
  • Room Level 5: First
  • Room Length 5: 0.0
  • Room Width 5: 0.0
Room 6
  • Room Type 6: Primary Bedroom
  • Room Level 6: First
  • Room Length 6: 0.0
  • Room Width 6: 0.0
Room 7
  • Room Type 7: Kitchen
  • Room Level 7: First
  • Room Length 7: 0.0
  • Room Width 7: 0.0
Room 8
  • Room Type 8: Florida Room
  • Room Level 8: First
  • Room Length 8: 0.0
  • Room Width 8: 0.0
Room 9
  • Room Type 9: Living Room
  • Room Level 9: First
  • Room Length 9: 0.0
  • Room Width 9: 0.0
Rental
Rental Information
  • Price Per Area Unit: Dollars Per Square Foot

Property History for 401 Loyalist Drive

DateEvent & SourcePriceAppreciation
Dec 9, 2025

Price Change

CVRMLS #2525986

$559,900
Nov 21, 2025

Price Change

CVRMLS #2525986

$599,900
Sep 16, 2025

Listed (Active)

CVRMLS #2525986

$565,000
Mar 30, 2021

Sold

BRIGHT #VACV123144

$400,000
Mar 30, 2021

Sold

CVRMLS #2033761

$400,000
Mar 24, 2021

Sold (Public Record)

Public Record #695027276

$400,000
Mar 24, 2021

Sold (Public Record)

Public Record #1457217047

$400,000
Feb 2, 2021

Pending

CVRMLS #2033761

Feb 1, 2021

Pending

BRIGHT #VACV123144

Feb 1, 2021

In Contract

BRIGHT #VACV123144

Jan 4, 2021

Price Change

BRIGHT #VACV123144

$415,000
Nov 5, 2020

Listed (Active)

BRIGHT #VACV123144

$425,000
Nov 4, 2020

Listed (Active)

CVRMLS #2033761

$425,000
May 1, 2015

Expired

CVRMLS #1428708

Apr 5, 2015

Withdrawn

BRIGHT #1007790398

Oct 21, 2014

Listed (Active)

BRIGHT #1007790398

$286,000
Oct 14, 2014

Listed (Active)

CVRMLS #1428708

$286,000
DateEvent & SourcePrice
12/09/2025

Price Change

CVRMLS #2525986

$559,900
11/21/2025

Price Change

CVRMLS #2525986

$599,900
09/16/2025

Listed (Active)

CVRMLS #2525986

$565,000
03/30/2021

Sold

BRIGHT #VACV123144

$400,000
03/30/2021

Sold

CVRMLS #2033761

$400,000
03/24/2021

Sold (Public Record)

Public Record #695027276

$400,000
03/24/2021

Sold (Public Record)

Public Record #1457217047

$400,000
02/02/2021

Pending

CVRMLS #2033761

02/01/2021

Pending

BRIGHT #VACV123144

02/01/2021

In Contract

BRIGHT #VACV123144

01/04/2021

Price Change

BRIGHT #VACV123144

$415,000
11/05/2020

Listed (Active)

BRIGHT #VACV123144

$425,000
11/04/2020

Listed (Active)

CVRMLS #2033761

$425,000
05/01/2015

Expired

CVRMLS #1428708

04/05/2015

Withdrawn

BRIGHT #1007790398

10/21/2014

Listed (Active)

BRIGHT #1007790398

$286,000
10/14/2014

Listed (Active)

CVRMLS #1428708

$286,000

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 401 Loyalist Drive

Taxable ValueLand$72,000Additions$319,832Total$391,832
Tax Record2025$301,711 ($25,143 / month)
Home Facts
Beds2Baths2Total Finished SqFt1,730 SqFtAbove Grade Finished SqFt1,730 SqFtStories1Lot Size37,753 SqFtStyleSingle Family ResidenceYear Built2002ZoningR1CountyCAROLINEAPN67A5-1-1686

Schools near 401 Loyalist Drive

This home is within Caroline County Public Schools.
Rating
School
Type
Grades
Distance
Public - PK to 5
Public - 6 to 8
Public - 9 to 12
Public - PK to 5
Rating
School
Distance
Lewis & Clark Elementary School
PublicPK to 5

Caroline Middle School
Public6 to 8

Caroline High School
Public9 to 12

Madison Elementary School
PublicPK to 5

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

Similar Homes

Similar Sold Homes

401 Loyalist Drive is a single family home for sale in Ruther Glen, VA 22546. This property was listed for sale on September 16, 2025 by Hometown Realty, it's currently listed at $559,900. It has been on the market for a total of 114 days and was last sold on March 30, 2021. This listing's school district is Caroline County Public Schools. Nearby schools include Lewis & Clark Elementary School, Caroline Middle School and Caroline High School. 401 Loyalist Drive is a 3-bed, 2-bath, 1,730 sqft single family home built in 2002.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass makes no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of Hometown Realty, Pam Lawrence; Hometown Realty, Janice Lyerly

Based on information from one of the following Multiple Listing Services: CVRMLS, Roanoke Valley Association of REALTORS (Roanoke, VA), LAR, Lynchburg Association of REALTORS® and Charlottesville Area Association of REALTORS. Information being provided is for the visitor’s personal, noncommercial use and may not be used for any purpose other than to identify prospective properties visitor may be interested in purchasing. The data contained herein is copyrighted by CVRMLS, Roanoke Valley Association of REALTORS (Roanoke, VA), LAR, Lynchburg Association of REALTORS® and Charlottesville Area Association of REALTORS is protected by all applicable copyright laws. Any dissemination of this information is in violation of copyright laws and is strictly prohibited. Property information referenced on this web site comes from the Internet Data Exchange (IDX) program of the MLS. This web site may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent who owns this web site. For the avoidance of doubt, the accuracy of all information, regardless of source, is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals.