9811 Deer Park Dr Spotsylvania, VA 22551
Your savings
About this home
Tucked away at the end of a long private driveway, this unique 5-acre property offers the perfect blend of seclusion, space, and freedom with plenty of room to live life your way. Outside, a convenient roundabout driveway, ample parking, and space for all your toys, whether it’s a camper, RV, boat, or multiple vehicles. An oversized detached garage adds even more flexibility. Ideal for a workshop, storage, or creative pursuits. Summer days are made for relaxing on the full-length upper-level back deck overlooking a fenced backyard with a swing set and an above-ground pool with its own deck. In the evenings, gather around the fire pit under a sky full of stars all set against a peaceful, private backdrop. At the front, a cozy covered entry porch is wide enough to enjoy your morning coffee or a warm cup of tea even on a rainy day. Inside, the main level greets you with a warm and inviting family room. Just a few steps up, the kitchen with an eat-in dining area provides a comfortable space to cook, dine, and connect. Down the hall are three bedrooms and two full bathrooms (including a remodeled hall bath - 2025. The lower level expands your living space even further featuring a rec room which could easily serve as an in-law/guest suite with its own full bathroom and direct access to the attached garage. You'll also find a laundry room, a storage room with shelving, and a bonus multipurpose room. Recent Updates (2025):Top-of-the-line kitchen appliances, Hot water heater, Well pressure tank, PEX plumbing upgrade of entire house, Garage door & opener, and Upstairs hall bathroom remodel. HVAC system (2016). With no HOA, a smart and functional layout, and a rare combination of comfort, flexibility, and outdoor enjoyment — this property truly has it all. Come experience it in person and explore the possibilities!
Source: BRIGHT #VASP2036476
Loan details
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
Roam Price Match
If you find a better price on any home, we’ll match it.
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.