1857 Shadding Bay Ln Dumfries, VA 22026
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About this home
Set in the resort-style Potomac Shores community, this beautifully updated, 3,330 square foot four-level townhome blends modern finishes with thoughtful upgrades while offering a stunning viewof the Potomac River and access to all the amenities in one of Northern Virginia’s most desirable neighborhoods. Designed for modern living, the property combines everyday functionality with elegant spaces, making it a truly move-in ready opportunity for its next owners. Hardwood floors span every level of the home, creating a warm and cohesive flow. Custom Plantation Shutters, another major upgrade, enhance both style and privacy while allowing natural light to fill the space. The spacious, open living and dining areas are ideal for hosting friends and family, while the kitchen stands out with quartz countertops, stainless steel appliances, and a rebuilt pantry with wooden shelving for organization and storage. A new premium refrigerator, updated lighting, and thoughtful layout ensure this kitchen is as practical as it is beautiful. Upstairs, the owner’s suite offers a retreat-like experience with a custom master closet system, giving abundant storage and organization. The ensuite bath has been refreshed with a frameless glass shower door, new fixtures, and upgraded lighting, creating a spa-like environment. The two additional bedrooms are generously sized, each with new ceiling fans, and share a full bath that benefits from recent updates including modern lighting and new toilets. Fresh paint throughout the entire home ties the spaces together with a crisp, clean look. The finished entry level adds flexibility for a variety of uses. It includes a dedicated office that could easily be converted into a fourth bedroom, plus a fully finished flex space with rough-in plumbing that allows for the addition of a third full bathroom. Outdoors, a composite deck off the kitchen extends the living space for grilling, entertaining, or simply enjoying the peaceful setting and the 4th level features a sweeping veranda with a view of the Potomac River that is absolutely perfect for entertaining family and friends! Added features include a replaced front entry door, a showroom-style garage floor with upgraded door system, rebuilt storage areas, and an exterior camera system that offers security and peace of mind. Since 2021, the owners have thoughtfully invested more than $60,000 in improvements, including hardwood flooring, plantation shutters, upgraded lighting, a rebuilt pantry, new appliances, custom closet systems, fresh paint, ceiling fans, bathroom updates, and enhanced storage solutions. Additional system updates include vent cleaning performed in both 2021 and 2024, and ongoing maintenance that underscores the pride of ownership throughout. Beyond the home itself, Potomac Shores offers residents a resort-style lifestyle complete with the Shores Club-featuring multiple swimming pools, fitness barn, social barn, community garden, and event lawn—plus a Jack Nicklaus Signature Golf Course, expansive sports complex, miles of scenic riverfront trails, and a brand new and soon to open VRE station within in walking distance for this beautiful townhome as well as an upcoming Marketplace . With amenities designed for relaxation, recreation, and convenience, Potomac Shores is more than a neighborhood-it’s a lifestyle. This home is truly beautiful and you have to see it to believe it!
Source: BRIGHT #VAPW2102966
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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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