Lakefront Property for Sale by Owner – $299,000

3.68 Acres Total | 4 Adjacent Lots (2 Waterfront + 2 Waterview) White Oak Lake – Madison County, VA A once-in-a-lifetime opportunity to own expansive private lakefront property in one of Virginia’s most peaceful, unspoiled counties. These 4 adjacent lots sit on White Oak Lake, a ~52-acre, electric-only lake tucked into the Blue Ridge Mountain foothills, with no public access and no comparable listings in Madison County. This is the only offering of its kind in the region. Properties on White Oak Lake are rarely sold and tightly held within the community. The Property - Four adjacent, sloped lots totaling 3.68 acres, sold together - 2 waterfront lots + 2 waterview lots - 465 feet of shoreline on a quiet, private cove - Each building lot perced for a 2-bedroom home - HOA requires 2 adjacent lots to build (this parcel qualifies for 2 potential homesites) - Unique floating dock boat with battery and electric motor. Untie and set sail around the lake on a large floating dock equipped with seating and a drop down swimming ladder for easy water entry/exit on hot summer days. Ready for immediate use! - Raw land with Rappahannock Electric and Firefly Fiber Internet accessible nearby - Low HOA dues: $50/lot/year (road maintenance only) The Lifestyle - No public access lake = true peace and privacy - Electric motors only, enjoy smooth paddling, zero wake, no noise or fumes - Excellent fishing: largemouth & smallmouth bass, black crappie, bluegill - Abundant wildlife: herons, kingfishers, egrets, bald eagles, ducks, geese, turtles, deer - Diverse native flora: red maple, sweetspire, buttonbush, and wetland grasses - Elevated seasonal views across quiet water, woods, and sky The Location - Set along picturesque Ruth Road, you’ll enjoy total seclusion with convenient access to the best of Madison and Central Virginia: - 5.0 mi to Main Street Madison - 5.4 mi Bald Top Brewery | 5.2 mi Early Mountain Vineyards - 6.3 mi Yoder’s Country Market | 6.7 mi Food Lion - ~30 mi to Charlottesville | ~80 mi to Richmond | ~90 mi to DC | ~28 mi to Harrisonburg - ~20 mi or less to Graves Mountain, Old Rag, White Oak Canyon, Grelen, Montpelier Madison County remains a rare oasis, low-density, high-character, and rich with rural charm. With very little commercial development and no public lakes of this kind, opportunities like this are vanishingly rare. Build Options Whether you’re seeking: - A once-in-a-generation retirement home, - A two-home family compound, - A shared getaway for friends, - Or a legacy investment in a tight-knit lake community, this property offers space, flexibility, and future potential. Hold all four lots, build two homes, or one exceptional lakefront retreat. FAQ – Slope, Buildability & Infrastructure Can I build right away? - Yes. Each lot is perced for a 2-bedroom home, and the package qualifies for two buildable sites (minimum 2 adjacent lots per HOA rule). All 4 lots are being sold together. - Is the land flat? The lots are gently sloped toward the lake, which creates elevated water views and is ideal for walkout basements, multi-level decks, and terraced landscaping. Grading and foundation work are typical for lakefront builds and priced accordingly. - What utilities are available? Electric: Rappahannock Electric Cooperative Internet: Firefly Fiber Internet is accessible nearby Water/Sewer: Buyers will install private wells and septic systems (perc-approved) - Can I use gas-powered boats? No. White Oak Lake is an electric-motor-only lake. This ensures peace, clean water, and a quiet, nature-first experience. Contact We are selling this For Sale By Owner and are vetting serious, qualified buyers who value quiet, nature, and community. Email Nick Bullard nickb157[at]gmail.com for: - Property plats & covenants - Topo info or site planning guidance - Scheduling a private showing We look forward to connecting with someone who shares our love for this rare and special place.---