4204 N Cresthill Ct Chester, VA 23831
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About this home
Exquisite 5-bedroom, 2 full & 2 half bath Colonial boasting 3,829± sq ft of refined living space on a beautiful 0.5-acre lot in the prestigious Hidden Valley Estates—priced $35,000 below recent appraisal! The main level features gleaming hardwood floors (throughout except kitchen), an updated kitchen with black granite countertops, custom cabinetry, tile flooring, and double oven (2023). The formal dining room offers a built-in bar and cabinetry (2022), a second fireplace, and access to the rescreened porch (2024). Living room includes a custom 8×8 built-in bookcase dividing it from the family room with fireplace, extra-large closet, linen closet, and updated half bath. Attached single-wide garage serves as an ideal workshop or storage space. Upstairs showcases four oversized bedrooms, including a primary suite with a spa-style bath renovated in 2024 featuring a deep soaking tub, new flooring, and fresh two-tone paint for a relaxing retreat. Additional bedrooms freshly painted in modern neutrals. The fully finished walkout basement (2024) includes a den, home office with built-in desk and walk-in closet, a fifth bedroom, second walk-in closet, storage room, and refreshed half bath. Recent updates include: new paint throughout, multiple new closets, roof replaced within the last 10 years, brand-new water heater (2025), and fresh modern color palette on the main level. Outdoor highlights: fully fenced yard with dedicated dog run, 2022 playset, insulated doghouse, and wood-built shed—all convey. Prime Chester location—just 25 minutes to Downtown Richmond, 20 minutes to Fort Gregg-Adams, and close to premier shopping and dining. Don’t miss this spacious, beautifully updated home in Hidden Valley Estates—schedule your private showing today!
Source: CENTRALVIRGINIA #2524109
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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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