17272 Easter Lily Mews Ruther Glen, VA 22546
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About this home
Lady Smith Village in Ruther Glen, Virginia within Caroline County, has a spacious, well maintained, single family residence waiting for you. Five bedrooms, three full bathrooms, plus a one-half bath are on three levels and a full basement awaits you in this nearly a 3,000 square feet gem. This spacious residence is located near Interstate 95 with quick access to Amtrak, VRE, amusement parks, hospitals and shops. Relax on the full front porch then enter the main level, level one, leading to an inviting open floor plan for festive family gatherings and fun. Stainless steel Whirlpool Brand range, double door refrigerator, dishwasher, smart technology, built in shelving in the pantry, luxury plank flooring, laundry with full washer and full dryer, deck and two car garage rounds out the main level, level one. The second level has carpet throughout the primary bedroom and three additional spacious bedrooms. All bedrooms has ample closet space. The primary bathroom, a 2nd full bathroom and hallway closets. The third level has a spacious bedroom and full bathroom and large attic that is perfect for additional storage or becoming a 6th bedroom. The large, carpeted full basement is perfect for entertainment and recreation along with an expansive insulated room for various uses and is plumbed for another bathroom. Come home to a nicely manicured lawn with an inground sprinkler system. The Seller will provide a 13 month through United Home Warranty. Caroline Library, Ladysmith Branch and a 24 hour YMCA is in the community! Look no more for loads of amenities for the family. The $152.00 per month General Assessment in the Ladysmith Village Community includes all of the following: weekly trash and recycling service, 24 hour gym access, seasonal use of the pool facility, pool management and lifeguards (the pool facility is an in-ground 8 lane pool with children's play structure, slide, spray features and a separate baby pool), dog park, Founder's trail for biking, jogging and walking, community garden, playground and social events, full-time community management, common area landscape maintenance, amenity maintenance/replacements and reserve funding for future amenity replacements. Kalahari Resorts and Conventions is a coming attraction in nearby Spotsylvania County targeted to open in Spring 2026. Offers will be presented immediately.
Source: BRIGHT #VACV2007648
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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.
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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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