Realtor/Buyer Info
The Waters at Lake Anna Homeowners’ Association
Realtor/Buyer Frequently Asked Questions    (ver 2, 3/2/2022)
POA Request Form                                       Realtor Assignation Form
The Waters at Lake Anna (TWALA) is a Lake Anna water-access community located in eastern Louisa County near Mineral, Virginia, on what is commonly referred to as the Hot Side or Private Side of Lake Anna.  The community is accessible from Highway 652, Kentucky Springs Road, at Lakeview Boulevard. 
There are over 400 lots in the community nearly half of which are improved lots occupied by both full-time and part-time residents.  A number of the lots are waterfront.
The TWALA Marina has a limited number of Boat Slips, all of which are deeded to members or the Association.  Some of the member-deeded boat slips are deeded with a particular lot and convey when the lot ownership is transferred; the remaining member-owned slips were purchased individually and may be bought and sold only among members of the TWALA Homeowners’ Association (HOA).
The TWALA HOA is a Virginia nonprofit corporation, is subject to the Property Owners Association Act, and is registered under the Common Interest Community Act.  The TWALA HOA is self-managed through a volunteer Board of Directors, which is elected by the HOA members at the annual member meetings with Directors’ terms on a staggered basis.   An Office Manager, employed by the Board for the Association, maintains regular posted hours at the TWALA Clubhouse for conducting routine activities and handling administration of the HOA.  Property owners are HOA members, subject to the Bylaws, Covenants and Rules of the Association.
The Frequently Asked Questions (FAQs) below are intended to be helpful to both real estate professionals that may be involved in a property sale or purchase and also those persons who are independently “shopping” for Lake Anna property.  Feel free to check back frequently as FAQs may be added and existing FAQs may be modified.
1.    Are there restrictions on the size of a home that may be built on a TWALA lot?
Yes!  It is important that the Original Deed transferring the property from the Developer to the first owner be reviewed, as this deed may specify minimum square footage requirements for a home on an individual lot which square-footage requirement would take precedent over the numeric square-footage mentioned in the Covenants.   The HOA does not have any authority to take exception to such square-footage requirements in property deeds.
The TWALA Covenants, paragraph 22 reads as follows:
Paragraph 22. Lot improvements within the Subdivision shall be limited to single family residential dwellings with either attached or detached garages provided the detached garage is of the same construction style, and material of the dwelling. For waterfront lots, such single family residential construction shall have an enclosed, heated living space of at least 2,000 square feet, not including cellars, decks, enclosed parches and garages. For interior, non waterfront lots, such single family residential dwelling construction shall have an enclosed, heated living space of at least 1,800 square feet, not including. cellars, decks, enclosed porches or garages. Dwellings shall have at a minimum at least four (4) ridgepoles in the roof line and a minimum roof pitch ratio of 5/12. Exteriors of such construction shall be of wood and/or masonry excluding concrete block type and may be covered by exterior siding (however, excluding T111 type siding). In conjunction with the construction of a residential dwelling or thereafter the property may be further improved by the same construction material as the dwelling. Certain areas lend themselves to accommodation of larger residences, and Developer may include additional construction Restrictions in Deeds to individual lots, which restrictions shall be enforceable as if set out in full herein.
2.     Does the HOA maintain a list of Lots/Homes For Sale or For Rent?
The Association is not involved in lot/home sales or rentals.  There are many local Real Estate businesses that can assist in those areas.  Free publications on display at local retail establishments will have their ads and contact information as will their signage, which is permitted within the community.
3.     What are the restrictions and requirements for posting real estate “For Sale” signs?
The TWALA Covenants allow that “For Sale” signs may be posted on individual properties within the community while a property is for sale.  Posting of real estate signs in common areas of the community is not allowed.  Upon closing of the sale of a property, the “For Sale” sign must be removed.  As to the size of the “For Sale” sign, the TWALA HOA refers property owners and realtors to the Louisa County, Virginia, Code of Ordinances, Chapter 86, Zoning, which specifies that real estate signs may not exceed nine (9) square feet:
Sign, real estate. A sign erected on a lot or parcel, either vacant or with improvements, that identifies the subject property for sale or rent. Such signs shall not exceed nine square feet in area.  Code of Ordinances.  Article I, Chapter 86, Section 86-2 (2020).
4.     Are “Open House” signs allowed to be temporarily posted at the community entrance?
TWALA has allowed “Open House” signs to be posted at the entrance of the community for up to seven (7) days in advance of the open house date.  These signs must be removed after the open house has been conducted.  Signs directing interested parties to the open house may be posted at intersections on the same schedule for posting and removal.  If signs are not promptly removed, the TWALA HOA has the right to remove and properly dispose of the signs.
5.     Are builder’s signs allowed to be posted on individual lots or in the common areas?
TWALA recognizes the need for builders to post signs on individual properties where construction is underway so that contractors and subcontractors are able to locate the project.  However, the signs must be removed once the project ends.  These signs are allowed only on the construction site location.  The TWALA HOA refers property owners and builders to the Louisa County, Virginia, Code of Ordinances, Chapter 86, Zoning, which specifies that construction signs may not exceed thirty-two (32) square feet and must be removed within seven (7) days of the issuance of the certificate of occupancy.
Sign, construction. A sign that identifies a construction project and/or an architect, contractor, subcontractor, material supplier or lending institution participating in the construction project. Such signs shall not exceed 32 square feet in aggregated sign area and must be removed within seven days of the issuance of the certificate of occupancy.  Code of Ordinances.  Article I, Chapter 86, Section 86-2 (2020).
6.     How does a new property owner obtain a street address for a lot?
To obtain a street address for a lot, the property owner should contact the Louisa Community Development Department.  The street address will be assigned after the building permit has passed the zoning approval.  Once the street address is assigned, it is entered into the 911 addresses for the County.  The property owner may also want to coordinate with the Mineral post office to receive mail at the new address.
7.     How does a buyer or agent obtain the Property Owners’ Association (POA) Disclosure Package?
The TWALA Office Manager may be contacted during business hours by telephone or by e-mail.  Office hours and contact information are available on the home page of the community website at
8.     How will a prospective buyer know if there are any outstanding HOA violations?
Any outstanding violations will be noted in the POA disclosure package. 
9.     Are there any special requirements that must be met for lake front property?
The lake and all waterfront property easements are owned by Dominion Energy.  The size of the easement varies based on the water line topography of each lot.   Any alterations, building or additions within the Dominion Energy easements must be coordinated with Dominion Energy.  Shoreline use restrictions are delineated in the Louisa County Code of Ordinances, Article VII, Division 5, Lake Anna Shoreline Use and Design Standards (2020).
10. Are there any restrictions regarding A TWALA Member renting out their home?
There are no restrictions that prohibit a TWALA member from renting out their dwelling.  The TWALA homeowner is responsible for the conduct of the renter/s and providing any access key cards, if applicable, to renters for use of the HOA amenities.  The HOA requests that TWALA members notify the TWALA Office Manager when renting out their home.  Homeowners should provide a copy of the “Owners’ and Renters’ Guide” to their renters.  The HOA is not responsible for short-term rental compliance with any applicable state or local requirements (e.g., tax payments, registering if county maintains a database for short-term rentals).
11.   What internet and television access options are available in TWALA?
There are several satellite TV/internet service company options, as well as the use of cell phone hot spots or cellular modems.  At the present time, internet service contractor iWiSP, LLC is installing a fiber optic network that will provide broadband internet availability to all lots in the Community; expected completion of the fiber optic network is Fall of 2022.  This service from iWiSP is currently available in some areas of the Community.  In addition internet service contractor River Street Networks has a wireless internet access system operating within the TWALA Community and continues to develop and expand the system capabilities.  Currently, service is somewhat limited within the Community based on the location of a particular lot.  River Street Networks has indicated that they intend to continue to expand and improve their service within TWALA.
12. (added 2-27-2021)  Is Modular Home Construction Acceptable in TWALA? 
Construction of a new Dwelling using modularity design on an owners’ lot in TWALA is currently permissible, so long as the new dwelling is built in accordance with the TWALA Covenants and the latest version of the Architectural Rules and Guidelines.
POA Request Form
Realtor Assignation Form