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1461 Chesterfield Rd, Locust Grove, VA 22508
5 beds · 4 baths · 3,600 sqft
*****Entire main level including two-story foyer and basement level currently being repainted to Sherwin Williams Agreeable Gray. Carpet in basement level will be replaced. Upper level carpet has been professionally cleaned. Don’t miss this one!***** Imagine this: You're relaxing on your back deck, a gentle breeze rustling through the trees, watching the sunset, and enjoying a private view that feels like your own little escape. This isn't just a dream – it's your everyday reality at 1461 Chesterfield Rd in the friendly Somerset Farms neighborhood!***** Welcome home to this lovely Colonial, perfectly set in Locust Grove's desirable, established Somerset Farms community. With 3,600 sq ft of nicely finished space, 5 spacious bedrooms, and 3.5 baths, this home is great for both entertaining friends or simply winding down from daily life.***** Step inside and feel instantly at home on the beautiful hardwood floors that run through the main level. To your left when you walk in, you'll find a versatile formal living room – perfect for a home office, a comfy den, a quiet reading spot, or just an elegant sitting area. This room flows easily into the formal dining room, ready for all your dinner parties. The heart of the home is the inviting kitchen, featuring a handy island and ample cabinet space for all your storage. Plus, enjoy the peace of mind that comes with all new kitchen appliances (as of March 2025)!***** The kitchen flows easily into a bright breakfast room, which then opens up to a cozy family room complete with a gas fireplace – just right for those cooler evenings.***** Upstairs, discover four generously sized bedrooms, including a relaxing primary suite with its own primary bath. This level also boasts a spacious laundry room with a huge walk-in storage closet, making laundry day way easier! Another full bathroom serves the additional bedrooms, ensuring comfort for everyone. You'll also appreciate the large closet space found throughout the entire home, offering plenty of storage for everything.***** The finished basement features a large recreation room suitable for a home theater, a fun game room, or just a huge extra family room. This level also features the handy fifth bedroom and a full bath, perfect for guests or even multi-generational living. The basement also has one unfinished room for additional storage space, offering incredible flexibility.***** Outside, an attached two-car garage provides ample parking and storage. Step out from the breakfast room onto your private deck, overlooking a lush backyard that backs right up to the golf course with a beautiful, mature tree line. This isn't just a view; it's a private spot where you can truly relax and enjoy nature. Recent updates include the water heater and indoor HVAC unit that were replaced within the last two years.***** Somerset Farms isn't just a neighborhood; it's a lifestyle. Enjoy fantastic community amenities including a sparkling pool with tennis courts and a playground. Our community conveniently backs to the Rapidan River and is part of the Somerset Farms golf course community. You'll love the ease of having a Walmart Supercenter just in front of the neighborhood for everyday errands, while still being within a half-hour drive of major cities like Fredericksburg and Culpeper for all other shopping, dining, and entertainment needs.***** If you're looking for a quieter, more natural setting but still want to be close to everything you need, Somerset Farms offers the best of both worlds: country feel with modern perks.***** Don't just dream about it – come experience the magic of 1461 Chesterfield Rd!
Source: BRIGHT #VAOR2010056
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: BRIGHT #VAOR2010056
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.
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