Welcome HOME to Shelter Cove! This 4 bedroom, 2.5 bath lakefront home delivers peaceful reservoir views paired with an incredible community lifestyle on the Swift Creek Reservoir. Surrounded by mature trees, the setting feels private and serene from the moment you arrive. Inside, hardwood flooring and expansive picture windows across the rear of the home draw your eyes straight to the water, filling the space with natural light and creating a seamless connection to the outdoors. The main living areas are filled with natural light and perfectly positioned to take advantage of the views, making everyday living feel special. Out back, the elevated Trex deck provides an exceptional space for relaxing or hosting while overlooking the lake. The deck is enhanced with post lighting and a dual natural gas line, creating an ideal setup for outdoor enjoyment. The backyard gently slopes toward the shoreline, offering direct lake access and the kind of waterfront experience that is increasingly hard to find. Major exterior improvements were completed in 2022, including customized casement windows along the back of the home, three additional side windows, Andersen rear doors, Trex decking, and gutter guards. Indoor updates include fresh indoor paint 2025, dishwasher 2024, gutter guard helmets 2023, Trex deck 2023, vapor barrier in crawl space 2025. The property also features an irrigation system with a dedicated irrigation meter separate from the home’s water meter. Additional features include an insulated garage with built-in shelving, a workbench, and peg board, offering practical and organized workspace. Located in the sought-after Woodlake community, residents enjoy indoor and outdoor pools, miles of trails, tennis and pickleball courts, basketball courts, playgrounds, reservoir access, fitness classes, and year-round community events — all conveniently located near shopping, dining, and major commuter routes. Schedule your showing today! Photos have been virtually staged.
For sale
$880,000
14403 Shelter Cove Rd, Midlothian, VA 23112
4beds
2,830sqft
Est.:
Single Family Residence
Built in 1998
10,367.28 Square Feet Lot
$860,800 Zestimate®
$311/sqft
$120/mo HOA
What's special
- 3 days |
- 809 |
- 12 |
Likely to sell faster than
Zillow last checked: 7 hours ago
Listing updated: April 03, 2026 at 09:01am
Listed by:
Jess McLaughlin membership@therealbrokerage.com,
Real Broker LLC
Source: CVRMLS,MLS#: 2602180
Originating MLS: Central Virginia Regional MLS
Originating MLS: Central Virginia Regional MLSTour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Primary bedroom
- Description: Vaulted ceiling, his/her closets, ensuite, fan
- Level: Second
- Dimensions: 19.11 x 16.9
Bedroom 2
- Description: closet, carpet
- Level: Second
- Dimensions: 14.0 x 10.9
Bedroom 3
- Description: closet, picture window, carpet
- Level: Second
- Dimensions: 12.8 x 13.1
Bedroom 4
- Description: carpet, closet
- Level: Second
- Dimensions: 12.2 x 12.4
Additional room
- Description: wall of windows, attached to primary, closet, fan
- Level: Second
- Dimensions: 19.11 x 8.10
Dining room
- Description: chair rail, bay window, crown molding
- Level: First
- Dimensions: 10.4 x 16.2
Family room
- Description: ceiling fan, picture windows, gas FP, crown moldin
- Level: First
- Dimensions: 19.9 x 16.11
Other
- Description: Tub & Shower
- Level: Second
Half bath
- Level: First
Kitchen
- Description: Corian Ctops, SS appliances, pantry, island,eat in
- Level: First
- Dimensions: 16.10 x 15.10
Living room
- Description: chair rail, bay window, crown molding
- Level: First
- Dimensions: 16.0 x 15.2
Office
- Description: bookcases, closet
- Level: First
- Dimensions: 15.4 x 8.4
Heating
- Electric, Heat Pump
Cooling
- Electric, Heat Pump
Appliances
- Included: Double Oven, Dryer, Dishwasher, Gas Water Heater, Microwave, Refrigerator, Washer
Features
- Breakfast Area, Bay Window, Dining Area, Separate/Formal Dining Room, Double Vanity, Fireplace, Garden Tub/Roman Tub, High Ceilings, Jetted Tub, Bath in Primary Bedroom, Pantry, Solid Surface Counters, Walk-In Closet(s)
- Flooring: Wood
- Basement: Crawl Space
- Attic: Walk-In
- Number of fireplaces: 1
- Fireplace features: Gas
Interior area
- Total interior livable area: 2,830 sqft
- Finished area above ground: 2,830
- Finished area below ground: 0
Video & virtual tour
Property
Parking
- Total spaces: 2
- Parking features: Attached, Driveway, Garage, Garage Door Opener, Paved
- Attached garage spaces: 2
- Has uncovered spaces: Yes
Features
- Levels: Two
- Stories: 2
- Patio & porch: Stoop, Deck
- Exterior features: Deck, Paved Driveway
- Pool features: None
- Has spa: Yes
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- Waterfront features: Lake, Lake Front, Waterfront
- Body of water: Swift Creek Reservoir
Lot
- Size: 10,367.28 Square Feet
Details
- Parcel number: 722674368800000
- Zoning description: R9
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Two Story
- Property subtype: Single Family Residence
Materials
- Frame, Vinyl Siding
- Roof: Composition
Condition
- Resale
- New construction: No
- Year built: 1998
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
Community & HOA
Community
- Subdivision: Shelter Cove
HOA
- Has HOA: Yes
- Services included: Clubhouse, Common Areas, Pool(s)
- HOA fee: $120 monthly
Location
- Region: Midlothian
Financial & listing details
- Price per square foot: $311/sqft
- Tax assessed value: $613,300
- Annual tax amount: $5,458
- Date on market: 4/2/2026
- Ownership: Individuals
- Ownership type: Sole Proprietor
Estimated market value
$860,800
$818,000 - $904,000
$3,004/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 3/12/2026 | Listed for sale | $880,000+1855.6%$311/sqft |
Source:  CVRMLS #2602180 Report a problem | ||
| 10/20/1997 | Sold | $45,000$16/sqft |
Source: Agent Provided Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $5,458 +2.8% | $613,300 +3.9% |
| 2024 | $5,312 +3% | $590,200 +4.1% |
| 2023 | $5,158 +8.9% | $566,800 +10.1% |
| 2022 | $4,734 +7.2% | $514,600 +10.7% |
| 2021 | $4,415 +3.9% | $464,700 +3.9% |
| 2020 | $4,250 +5.6% | $447,400 +5.6% |
| 2019 | $4,025 -1.2% | $423,700 |
| 2018 | $4,075 -1.3% | $423,700 -1.4% |
| 2017 | $4,130 | $429,500 +0.4% |
| 2016 | $4,130 +8.6% | $427,600 +8.7% |
| 2015 | $3,803 +4.9% | $393,500 +5% |
| 2014 | $3,624 | $374,900 +4.3% |
| 2013 | -- | $359,500 -3.3% |
| 2012 | -- | $371,700 -4.6% |
| 2011 | -- | $389,600 -5.8% |
| 2010 | -- | $413,800 -2.6% |
| 2009 | -- | $424,900 |
| 2008 | -- | $424,900 +3.6% |
| 2007 | -- | $410,300 +28.5% |
| 2005 | -- | $319,200 +0.9% |
| 2004 | -- | $316,200 +4.2% |
| 2003 | -- | $303,600 +2.5% |
| 2002 | -- | $296,200 +12.3% |
| 2001 | -- | $263,700 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$5,032/mo
Principal & interest
$4406
Property taxes
$506
HOA Fees
$120
More affordability tools
Climate risks
Neighborhood: 23112
Nearby schools
GreatSchools rating
- 5/10Clover Hill Elementary SchoolGrades: PK-5Distance: 0.5 mi
- 6/10Tomahawk Creek Middle SchoolGrades: 6-8Distance: 3.7 mi
- 9/10Cosby High SchoolGrades: 9-12Distance: 1.6 mi
Schools provided by the listing agent
- Elementary: Clover Hill
- Middle: Tomahawk Creek
- High: Cosby
Source: CVRMLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
Local experts in 23112
- Virginia
- Chesterfield County
- Midlothian
- 23112
- 14403 Shelter Cove Rd
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