20 Genevieve Ct Fredericksburg, VA 22406
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About this home
Immaculate 5-Bedroom Estate on 3 Acres with 50 Feet of Waterfront This stunning brick-front home offers 5 bedrooms, 5.5 bathrooms, a 2-car garage, and an impressive 5,699 square feet of living space on 3 acres with 50 feet of private waterfront. Designed for both luxury and functionality, this property combines serene outdoor living with high-end interior finishes and built-in surround sound throughout the home in one of Stafford County’s most desirable locations. Estate living has never been better in this exquisite brick-front home on a beautifully landscaped corner lot with an inviting front porch. Extensive landscaping and an installed irrigation system make outdoor upkeep effortless. Perfect for entertaining, the property features a sparkling in-ground pool, a screened four-season porch, a paver patio, fenced yard, large storage shed, and serene water views. Inside, a grand open floor plan is enhanced by double crown molding, an upgraded trim package, and hardwood floors throughout the main level. The family room boasts coffered ceilings, a custom accent wall with cabinetry and open shelving, and a double-sided fireplace shared with the spacious kitchen. The chef’s kitchen offers a double oven, stainless steel 6 burner gas cooktop. Large island with seating for four, upgraded pendant lighting, granite countertops, abundant cabinetry, a custom backsplash. Breakfast area large enough to table a large family, more cabinets with accent glass front door, second prep sink and beverage fridge. Additional highlights include a custom command center with access to a Baker’s pantry featuring cabinets, open shelving, and butcher block counters, plus a Butler’s pantry leading to the formal dining room. Drop zone complete with closet, built in bench and custom cabinetry. A main-level bedroom with full bath, a private office with glass doors and half bath complete the first floor. From the kitchen, step into the four-season sunroom with floor-to-ceiling windows, LVP flooring, and stunning lake views. A maintenance-free deck overlooks the in-ground pool and landscaped grounds. Hardwood stairs with iron balusters lead to the upper level with 10-foot ceilings, plush upgraded carpet, and a spacious laundry room with cabinetry, folding area, and sink. Two junior suites each offer walk-in closets and private baths with granite counters. Double doors open to the luxurious primary retreat featuring a sitting room with fireplace, custom built-ins, dual walk-in closets, and a spa-inspired bath with dual vanities, oversized walk-in shower with dual heads and bench, and a soaking tub framed by a picture window. The lower level continues the home’s entertaining potential with a built-in bar featuring granite counters, dishwasher, beverage fridge, and sink. There’s ample room for a theater, pool table, ping-pong, or other recreation, all enhanced by the home’s integrated surround sound system. A large legal bedroom with full bath and a bonus hobby room—perfect for fitness or crafts—complete this level. With 10-foot ceilings on the main level and 9-foot ceilings on the lower level, this home offers exceptional space and upgrades throughout. Conveniently located near I-95 for an easy commute to Quantico or DC, within Stafford County’s highly rated school district and close to shopping, this property truly leaves nothing to be desired.
Source: BRIGHT #VAST2042780
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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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