Louisa Homes under $400,000

Louisa Homes under $400,000

Welcome to Louisa, Virginia—a hidden gem nestled in the heart of Louisa County. This charming town is a perfect blend of small-town warmth and modern convenience, making it an ideal place for families, retirees, and everyone in between. With its picturesque landscapes, rich history, and vibrant community, Louisa offers an inviting atmosphere that feels like home from the moment you arrive.

One of the standout features of Louisa is its affordability. Homes under $400,000 are plentiful, providing exceptional value for prospective buyers. Whether you’re searching for a cozy cottage, a spacious family home, or a charming bungalow, Louisa’s real estate market has something for everyone without breaking the bank. Imagine settling into a beautiful home with ample space for your family, all while enjoying the financial peace of mind that comes with a budget-friendly price tag!

The town is surrounded by stunning natural beauty, with lush parks, serene lakes, and scenic trails that invite outdoor enthusiasts to explore. Louisa is also conveniently located near major highways, making it easy to access nearby cities like Charlottesville and Richmond for work or leisure. The local community is vibrant, with various events throughout the year, from farmers' markets to festivals, fostering a strong sense of togetherness.

In Louisa, you’ll find not just a house, but a place to create lasting memories. With homes under $400,000, this charming town is ready to welcome you to your next adventure. Explore the possibilities and discover why Louisa, Virginia, is the perfect place to call home!

Newest Louisa Homes under $400,000

32 Miltons Ln, Louisa
$394,999
4 Beds ⋅ 2 Baths
Lake Anna living is calling! Welcome to your own peaceful retreat on the public side of Lake Anna, where lake days, outdoor adventures, and unforgettable memories await! Nestled on a partially wooded 1.12-acre lot with privacy and winter lake views, this charming one-level rancher offers 1,438 square feet of living space, 4 bedrooms, 2 full bathrooms, and an incredible 330-square-foot screened porch that is sure to become your favorite place to relax and unwind. Best of all, you're within walking distance or a short golf cart ride to the neighborhood waterfront common area, where you'll find a boat ramp, boat slips, picnic pavilion, and playground. Spend your days boating, swimming, fishing, and soaking up everything Lake Anna has to offer! Step inside to discover a welcoming interior featuring fresh paint, luxury vinyl plank flooring, and an updated kitchen complete with beautiful new quartz countertops, stainless steel appliances, and a breakfast bar that opens to the dining area. The functional, single-level layout offers comfortable everyday living and plenty of room for family and guests. One of the true highlights of this property is the spacious 330-square-foot screened porch, featuring soaring vaulted ceilings, a ceiling fan, and a TV, creating the perfect setting for morning coffee, afternoon relaxation, or entertaining friends after a fun-filled day on the lake. Step outside onto the newer deck overlooking the private, tree-lined backyard, where you'll find a fenced area perfect for children and pets, along with a fire pit for roasting marshmallows and making memories under the stars. The natural setting provides a wonderful sense of privacy and tranquility. Additional highlights include an oversized attached 2.5-car garage with plenty of space for vehicles, lake toys, and storage, plus high-speed Firefly fiber internet for those who work from home. Short-term rentals are permitted, offering an excellent opportunity for those looking for a weekend getaway, full-time residence, or investment property. The neighborhood waterfront common area is conveniently located at the end of Miltons Lane, making it easy to launch your boat and head out for a day of fun. You're less than 15 minutes from the town of Louisa for everyday conveniences, shopping, and dining, and just a quick boat ride or drive to popular Lake Anna destinations including Tim's at Lake Anna, The Cove, and local marinas. Come see for yourself! Whether you're searching for a full-time home, a relaxing weekend escape, or a place to create lasting lake memories, this property offers the perfect combination of comfort, privacy, and access to the Lake Anna lifestyle. Come experience the lake life you've been dreaming of!

32 Miltons Ln, Louisa

Listing courtesy of Lake Anna Island Realty. Contact:

64 Pine Rd, Louisa
$400,000
3 Beds ⋅ 2 Baths
**** Welcome to this beautiful 3-bedroom, 2-bath home offering 1,498 finished square feet on a rare, level double lot in the highly sought-after gated community of Blue Ridge Shores. Located just one street from the lake, you’ll enjoy peaceful lake views from the front yard and the convenience of being moments from the beach, marina, and all the community amenities. Inside, the open-concept floor plan is designed for comfortable living and entertaining. The spacious kitchen features granite countertops, a large center island, stainless steel appliances, soft-close cabinetry, abundant storage, and an adjoining office area/nook—perfect for working from home, homework, or managing everyday tasks. The oversized utility room includes a utility sink and additional cabinetry for exceptional storage and convenience. The private primary suite offers a relaxing retreat with double (dual) vanities and a beautifully tiled walk-in shower. Step outside to appreciate the home’s attractive curb appeal, highlighted by stylish black gutters, a wraparound sidewalk, and a large, spacious patio ideal for entertaining, grilling, summer barbecues, evening gatherings, or simply relaxing outdoors. As a resident of Blue Ridge Shores, you’ll enjoy an incredible lifestyle with exclusive amenities including a private lake for boating, fishing (including at sunrise), kayaking, and swimming; a marina and sandy beaches; playgrounds and scenic walking trails; tennis and pickleball courts; a basketball court; a community center; and year-round community events, holiday celebrations, and recreational activities. Whether you’re searching for a full-time residence, a vacation home, a peaceful weekend lake retreat, or a place where every day feels like a getaway, this move-in-ready home offers the perfect combination of modern comfort, convenience, outdoor adventure, and resort-style lakeside living in one of Central Virginia’s most desirable private lake communities. Some photos are digitally enhanced and staged.

64 Pine Rd, Louisa

Listing courtesy of EXP Realty, LLC. Contact:

3103 S Spotswood Trl, Louisa
$380,000
3 Beds ⋅ 2 Baths
Room to grow on almost 2 acres! Set on a flat corner lot conveniently located off Route 33, this spacious raised rambler offers three bedrooms, two full baths, and an oversized side-load two-car garage. Vaulted ceilings give the main level an open, airy feel, while a wood burning fireplace adds warmth to the living space. Hardwood floors run through much of the main level, and two bedrooms feature updated LVP flooring. The split-bedroom floor plan provides privacy for the primary suite, complete with a five-piece bath featuring a jetted tub and separate shower and walk-in closet. Main-level laundry is conveniently located off the kitchen, where French doors open to an expansive rear deck. A covered patio below offers another place to enjoy the outdoors. The unfinished basement is already framed for additional living space, a bedroom, bathroom, and mechanical room, with rough plumbing in place for the future bath. The HVAC system was replaced in August 2025. Enjoy the space this home offers today and imagine the possibilities ahead!

3103 S Spotswood Trl, Louisa

Listing courtesy of Q Real Estate, LLC. Contact:

1271 Doctors Rd, Louisa
$329,500
3 Beds ⋅ 2 Baths
Brand-new construction meets quality craftsmanship in this thoughtfully designed 1,791 sq. ft. split-bedroom rancher, perfectly situated between the historic Towns of Gordonsville and Louisa with an anticipated completion date of October 31. Built to a higher standard with durable 2x6 exterior wall framing for superior structural integrity and energy efficiency, this one-level home is loaded with quality builder upgrades. The open-concept living area centers around a bright kitchen equipped with a large center island, flowing seamlessly into the dining area. From the dining room, step through sliding glass doors onto your private back deck—ideal for morning coffee, evening cookouts, and easy indoor-outdoor entertaining. The split-bedroom layout ensures maximum privacy for the primary suite, while a dedicated laundry room adds everyday convenience. Outside, take advantage of a fully fenced yard, plus a separate fenced area perfect for a garden or pet. Work from home seamlessly with high-speed Firefly fiber internet available on-site, offering rural tranquility without sacrificing connectivity. Enjoy peaceful country living with easy commuter access to Charlottesville, Richmond, and Fredericksburg. Note: Listing photos are virtually enhanced; the finished home will be similar in fit, finish, and layout.

1271 Doctors Rd, Louisa

Listing courtesy of RE/MAX Realty Specialists. Contact:

365 Richardson Dr, Louisa
$399,999
3 Beds ⋅ 2 Baths
Better than new and ready to impress! Welcome to this beautifully maintained Wilson model by Liberty Homes, built in 2021 and offering 1,668 square feet, 3 bedrooms, and 2 full baths. Meticulously cared for and truly move-in ready, this home combines modern style, comfort, and convenience. Step inside to an inviting open floor plan perfect for both everyday living and entertaining. The well-appointed kitchen features granite countertops and stainless steel appliances, creating a stylish and functional space. The spacious primary suite offers a relaxing retreat, while two additional bedrooms provide flexibility for family, guests, a home office, or hobbies. A 2-car garage adds everyday convenience and storage. Enjoy the benefits of thoughtful improvements, including gutter guards, window treatments, a vapor barrier and a conditioned crawl space. The washer and dryer convey along with Ring cameras adding even more convenience and peace of mind. Firefly high speed internet is available in the area. The large, partially wooded lot features a cul-de-sac location at the end of the street, offering a peaceful setting with no through traffic. Enjoy the best of both worlds - quiet neighborhood living with easy access to I-64. Conveniently located approximately 20 minutes from Charlottesville and 30 minutes from Richmond. This home makes commuting and enjoying all the area has to offer a breeze! Impeccably maintained, and in a fantastic location—this Wilson model is ready for its next chapter. Don’t miss it!

365 Richardson Dr, Louisa

Listing courtesy of Berkshire Hathaway HomeServices PenFed Realty. Contact:

12927 Shannon Hill Rd, Louisa
$374,999
3 Beds ⋅ 2 Baths
NOW COMPLETE! Brand new and ready to welcome you home! This charming 3 bedroom, 2 bath home offers easy one-level living with a spacious, open floor plan that feels bright, comfortable and inviting from the moment you walk in. LVP flooring flows throughout the main living areas, and the kitchen features black granite countertops with a wraparound counter that provides plenty of prep space, extra seating and an easy connection to the living and dining areas. The primary bedroom is tucked away on its own side of the home and features a spacious walk-in closet and private bathroom with a walk-in shower. On the opposite side of the home, you'll find two additional bedrooms, both with roomy closets and ceiling fans, along with a full hall bath with a tub and a convenient linen closet nearby. A mudroom/laundry room just off the back entrance gives you a practical everyday drop zone and leads right out to the back deck. Outside, there's plenty of room to enjoy the property too. Start your mornings with coffee on the covered front porch, spend your evenings relaxing or grilling on the large back deck, and enjoy the spacious, level yard with room for pets, outdoor games, gardening or simply enjoying a little extra space. The oversized circular driveway can be entered from either end along the road, making coming and going a breeze with plenty of room for parking. Everything is fresh, new and ready for its first owner, just move in and make it home!

12927 Shannon Hill Rd, Louisa

Listing courtesy of Lake Anna Island Realty. Contact:

110 Ellisville Dr, Louisa
$334,950
2 Beds ⋅ 2 Baths
Welcome home to this charming, well-maintained brick home offering comfort, character, and numerous desirable updates. The home features a newer roof and replacement windows, granite countertops, a tankless water heater, and a backup propane generator for added peace of mind. Inside, beautiful hardwood floors and a wood-burning fireplace create a warm and inviting atmosphere. The spacious two-car garage provides plenty of room for parking, storage, and hobbies. Outside, enjoy the beauty of the mature, well-maintained landscaping and fenced-in backyard, along with a welcoming patio and convenient storage shed. With its classic brick exterior, thoughtful updates, and inviting outdoor spaces, this property offers a wonderful opportunity to enjoy a comfortable and well-cared-for home.

110 Ellisville Dr, Louisa

Listing courtesy of Berkshire Hathaway HomeServices PenFed Realty. Contact:

18 Ellis Ln, Louisa
$349,000
3 Beds ⋅ 2 Baths
Welcome to Lake Louisa, a beautifully remodeled one-level home nestled on a corner lot. This charming home boasts three bedrooms and two full bathrooms, providing ample space. The home is equipped with New modern appliances, including a refrigerator, stove, dishwasher, and microwave, all new flooring throughout, ensuring comfort and convenience for your daily life. For those who enjoy water activities, Lake Louisa offers a range of amenities to cater to your interests. You can indulge in fishing, swimming, and biking on the designated trails, or simply relax and enjoy the beach, boat ramp, dock and slip, common grounds, jogging and walking paths, picnic area, tennis courts, and playground. The neighborhood’s convenient location makes it easy to explore nearby attractions and enjoy the vibrant community life. Whether you prefer walking or taking a golf cart, Lake Louisa offers a variety of options to suit your lifestyle .Don’t miss out on this opportunity to experience the charm of Lake Louisa. Schedule your appointment today and embark on a journey of discovery in this beautiful neighborhood.

18 Ellis Ln, Louisa

Listing courtesy of Montague, Miller & Company. Contact:

333 Cardinal Rd, Louisa
$399,999
4 Beds ⋅ 3 Baths
Welcome home to the perfect blend of comfort, convenience, and privacy in the desirable Countryside community in the Town of Louisa! Built in 2019, this beautifully maintained 4-bedroom, 2.5-bath home offers 2,240 square feet of living space, making it easy to enjoy everyday life while creating lasting memories with family and friends. From the moment you arrive, the welcoming covered front porch invites you to slow down and relax. Step inside to discover a bright, open floor plan designed for both entertaining and everyday living. At the heart of the home, the spacious kitchen features a large center island, an eat-in dining area, and plenty of room to gather while preparing meals or enjoying conversations. Whether you're hosting dinner parties in the separate formal dining room or serving snacks for game day, this home offers flexible spaces for every occasion. The attached two-car garage offers plenty of room for vehicles, storage, and hobbies. One of the home's most desirable features is its intentional layout. All four bedrooms are located upstairs, creating a natural separation between the main living areas and your private retreat. Whether you're winding down after a busy day or enjoying a quiet weekend morning, you'll appreciate having your personal spaces tucked away from the activity below. The living areas flow seamlessly to the fully fenced backyard. The upgraded wrought iron fencing and spacious back patio provide an attractive outdoor space for recreation, gardening, entertaining, or simply enjoying the fresh air. Enjoy peaceful mornings with a cup of coffee or unwind after a long day while taking in the wooded backdrop. Unlike many neighborhoods, this home backs to mature trees, giving you added privacy and a relaxing view instead of neighboring homes. Located in the established Countryside community, you'll appreciate the convenience of being just minutes from local shops, restaurants, schools, parks, and everyday essentials while still enjoying the charm of small-town living. With an affordable HOA of just $100 per year, this home offers outstanding value in one of Louisa's most convenient locations. If you've been searching for a move-in ready home with modern features, a private backyard, and an excellent location, this is one you won't want to miss. Schedule your private showing today and discover why so many buyers love calling the Town of Louisa home. Opportunities like this don't stay on the market for long!

333 Cardinal Rd, Louisa

Listing courtesy of Real Broker, LLC. Contact:

270 Ellis Dr, Louisa
$309,500
2 Beds ⋅ 2 Baths
Two parcels, one address, and room to grow within Blue Ridge Shores. Check the box on your Lake Life goals and go golf cart shopping! The seller is offering $5,000 in closing cost assistance with a full-price offer, and the sale includes the adjoining buildable lot with soil work already done for your future build. This renovated Cape Cod offers nearly 1,800 sf of light-filled living with a split floor plan and open-concept spaces. The main level holds a spacious primary suite, a living room with fireplace, and a dining room off the newly remodeled kitchen with brand new appliances ready for entertaining time at the lake house. A second full bath off the kitchen, a utility room with W/D hookups, and a bonus room for office or flex use complete the first floor. Upstairs, an expansive loft bedroom boasts multiple skylights which flood the entire space with natural light. Updated finishes run throughout, and the roof has just been improved to add slope to the adjoining center section. Out back, a spacious rear patio opens to a generous yard. The second lot, to the left of the home, has soil work completed and is approved for a 3-bedroom septic. It offers room to build, expand, or plant an expansive garden. It could serve as an investment, a multi-home compound, or simply more breathing room. Blue Ridge Shores is a golf cart community with lake and waterfront amenities, including a beach, park, boating, sport courts, and more, for a fraction of the cost of most lake communities. Spend your days boating, swimming and enjoying the lake life in this one of a kind space bursting with future building potential. Sale is for 2 tax parcels. 270 Ellis Dr, existing 2BR/2BA home on .267 acres (13A5-5618) Adjoining unimproved lot, .217 acres (13A5-5617)

270 Ellis Dr, Louisa

Listing courtesy of Berkshire Hathaway HomeServices PenFed Realty. Contact:

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