39728 Charles Henry Pl Waterford, VA 20197
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About this home
Welcome to 39728 Charles Henry Place, Waterford, VA 20197—a beautifully appointed Colonial on 3.01 AR1 acres in sought-after Old Wheatland. Built in 2018 by Carrington Homes (Sagewood floorplan), this single-family residence delivers 5,487 finished sq ft across two sunlit levels plus a finished, walk-out lower level—crafted for everyday comfort and effortless entertaining. The main level flows from welcoming living and dining areas into a bright kitchen refreshed with a new dishwasher, stylish backsplash, and upgraded lighting. A convenient half-bath update plus contemporary lighting across the main level elevates the home’s clean, modern aesthetic. Upstairs, the en-suite primary bedroom is a serene retreat; bath improvements include contemporary shower doors, new faucets/fixtures, and tasteful cabinet-pull updates echoed throughout secondary baths. Downstairs is a destination: a completely finished, walk-out basement with daylight windows, recessed lights, lit stair treads, fresh paint, and laminated wood flooring. Enjoy a spacious entertainment area with wet bar, a dedicated movie theater (surround sound with in-ceiling speakers, projection screen + projector), a gym, multipurpose room, an added bedroom, and a full bathroom—flexible spaces for work, play, and guests. Upper-level bedrooms feature new carpet. Outdoor living shines on the 600 sq. ft. Trex deck overlooking a landscaped yard—perfect for morning coffee or sunset dinners. Practical perks include 3-car attached garage with built-in ceiling storage racks and remote opener, ceiling fans, upgraded doors/trim, plus smart doorbell and security-ready setup. Systems/Utilities: Central Air • Heat Pump (owned propane) • Propane water heater • Well • Septic. Low-fee living with $48/mo HOA. Zoned Waterford ES, Harmony MS, Woodgrove HS. Experience Wine Country ease and space in Waterford.
Source: BRIGHT #VALO2106134
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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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