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12027 Beaver Spring Ct, Midlothian, VA 23112
4 beds · 3 baths · 2,239 sqft
Highly motivated sellers! Blending timeless charm with modern upgrades, this beautifully maintained 4-bedroom, 2.5-bath home is move-in ready and full of thoughtful features. Step inside to find gleaming hardwood floors flowing through the foyer and formal dining room, where crown and chair rail molding add a refined touch. Hardwood floors continue under plush carpeting in the family room where a cozy gas fireplace with custom built-ins anchors the space, which opens seamlessly to a well-equipped kitchen with stainless steel appliances, wood cabinetry, ceramic tile floors, and a large eat-in area with breakfast bar—perfect for hosting or everyday living. French doors lead to a spacious deck overlooking a fully fenced, private backyard—ideal for outdoor gatherings or peaceful evenings. Upstairs, the vaulted-ceiling primary suite offers a walk-in closet with custom shelving and a spa-like bath featuring a soaking tub, separate shower, and double vanity. Three additional bedrooms provide flexibility, including one with a stunning arched window—ideal as a home office or playroom. Additional perks include SMART switches compatible with Alexa or phone voice commands, a 2nd-floor laundry room (washer & dryer convey), ADT security system, walk-up attic storage, two-car garage, and double-paved driveway with extra parking. The downstairs HVAC unit was replaced in 2017, and the roof was updated in 2020 for added peace of mind, new refrigerator and freshly painted walls downstairs in 2025. Located in a quiet neighborhood with no HOA, yet just minutes from shopping, dining, and Route 288 access—this home offers the perfect balance of privacy and convenience. All kitchen appliances, washer, dryer, garage freezer, and portable generator convey. Sellers are offering a 1-year American Home Shield ShieldComplete home warranty for purchaser as added protection.
Source: CENTRALVIRGINIA #2513095
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: CENTRALVIRGINIA #2513095
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.
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.
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.
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