135 Old Cropps Mill Rd Fredericksburg, VA 22406
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About this home
Welcome to 135 Old Cropps Mill Road —nestled in King’s Grant, an acreage community with plenty of space for outdoor living, trail riding, gardening, livestock, or simply enjoying the quiet. This property offers space, privacy, and the kind of natural setting that is increasingly hard to find, all within a convenient drive to everyday amenities. Recent major updates provide peace of mind from day one: roof replaced in 2017, both HVAC systems replaced within the last 2 years, hot water heater and well pump replaced in 2023, kitchen appliances and cabinetry updated within the last 5 years, newer luxury vinyl plank flooring on the upper level - and maybe most important - high-speed Xfinity internet is available! This four-bedroom home (with a flexible bonus room offering potential for a fifth sleeping space) includes 2.5 baths and approximately 2,645 square feet of living space. This home balances comfort, practicality, and the quiet rhythm of country living. A paved driveway—a rare feature in the neighborhood—leads to the front-loading two-car garage with additional parking space. Just off the drive, a detached garage provides room for a vehicle, equipment, ATVs, tools, or workshop needs. The acreage includes a firepit area, a large chicken coop with run and attached storage, a fenced side yard, and a wooded creek that weaves throughout the property. The existing rear deck overlooks the natural landscape and offers a lovely footing for future outdoor living enhancements. Inside, the main level features a lovely kitchen with updated cabinetry, countertops, stainless-steel appliances, and a granite island. The family room includes a gas fireplace, the dining room features traditional millwork, and three sliding glass doors along the rear of the home draw in wooded views and natural light. The main-level primary suite includes a double-sided fireplace, walk-in closet, ensuite bath with dual sinks, a soaking tub and separate shower, and private deck access. Upstairs, newer LVP flooring adds continuity and durability throughout. This level includes three additional bedrooms, a full bath (tub/shower combo), and a bonus room above the garage that works wonderfully as an additional potential bedroom, playroom, office, TV room, or hobby space. The second-level laundry is conveniently located nearby. Just beyond your driveway, King’s Grant offers miles of riding and walking trails and a community barn for gatherings. Curtis Park, The Gauntlet Golf Club, and shopping/dining along Route 17 are all within 20 minutes; Downtown Fredericksburg approx. 35 minutes; Culpeper approx. 40 minutes. 135 Old Cropps Mill Road offers the privacy of acreage, the ease of thoughtful updates, and the lifestyle of a true country retreat — all in a wonderful Stafford County location.
Source: BRIGHT #VAST2043914
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FAQs
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
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