252 Punkin Ridge Dr Clear Brook, VA 22624
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About this home
Welcome home to this beautiful 4-bedroom, 3-full-bath ranch-style retreat set on 5 private acres in Frederick County. Offering Comcast/Xfinity service, breathtaking mountain views, and a newer roof (installed around 2020–2021) and new HVAC in 2025 ... this property combines peace, privacy, and convenience. Enjoy resort-style living with your own heated in-ground pool and spa, perfectly situated to take in the scenic surroundings. From the moment you arrive, you’ll appreciate the home’s great curb appeal and inviting front porch. Step inside to a bright, welcoming foyer that opens to a sunken living room with access to the large rear deck—ideal for entertaining or simply relaxing in the tranquil setting. The spacious family room features a vaulted ceiling, a brick hearth with a wood-burning stove, and custom built-ins. It opens to a 12x20 screened porch and a maintenance-free deck that overlooks the mountains. The kitchen offers a large island, newer appliances (including a brand-new dishwasher), a breakfast area, and a separate dining room. The primary suite includes two walk-in closets, direct deck access, and a generous bath with a walk-in shower. Two additional bedrooms share a full hall bath, creating a convenient layout for family or guests. The partially finished walk-out basement expands your living space with new carpet, a bedroom, full bath, cozy family room with a freestanding wood stove, three additional propane heaters for supplemental warmth, a bonus/office/craft room, and a large storage area with a workbench—all opening directly to the pool and spa area. Additional highlights include hardwood flooring, freshly painted interiors (including ceilings), a laundry room with built-in shelving, and an oversized garage with pull-down attic storage. The pool area features a sport liner (approximately 10 years old) with 6-foot depth in the center and 3-foot on each end, plus a spa with a brand-new cover. Experience peaceful country living with modern comforts, panoramic mountain views, and your own private oasis—just minutes from I-81, Winchester Medical Center, shopping, and downtown Winchester.
Source: BRIGHT #VAFV2036864
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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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