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2160 Aquia Dr, Stafford, VA 22554
4 beds · 4 baths · 3,598 sqft
Welcome to this beautifully maintained and spacious 4-bedroom, 4-bathroom home in the highly sought-after, gated Aquia Harbour community! Nestled on a on a generous 0.44-acre lot with mature landscaping, this stunning residence offers over 3500 square feet of finished living space, showcasing thoughtful upgrades and high-end finishes throughout. Step into the grand 2-story foyer with side light windows and an open stained oak staircase. Gleaming hardwood floors span most of the main level, which boasts soaring 9FT ceilings on both the main and lower levels. The gourmet center island kitchen is a chef’s dream—complete with granite countertops, 42” cabinetry, a breakfast area, stainless steel appliances (all meticulously serviced annually), a large pantry, and a versatile desk station perfect for a coffee or wine bar. Enjoy your morning coffee in the bright morning/ breakfast room overlooking the gardens in the back yard with vaulted ceilings and sliding glass doors leading to the upper rear deck. The expansive family room features dramatic palladium windows and a cozy gas fireplace with beautiful mantle. Formal dining room is accented by crown molding, chair rail, and a charming bow window in the dining area—ideal for entertaining. Formal living room is spacious and can be used as an office or school room. A powder room and laundry room (with front-loading washer/dryer and upper cabinetry) round out the main level. Retreat upstairs to a luxurious primary suite with enough space for a sitting area, a ceiling fan, a large walk-in closet, and an en-suite bath offering a dual-sink vanity, soaking tub, and tiled step-in shower. Three additional generously sized bedrooms each feature double-door closets and ceiling fans. The finished walk-up lower level offers incredible flexibility with a large recreation room, bar area, home gym, office/flex room, full bathroom, and a large utility/storage room. Outdoor living shines here with a fully fenced backyard, stamped concrete patio, hot tub, raised garden beds, herb garden, and mature hardscape. A spacious covered front porch and additional parking pad in front enhance curb appeal, on the side of the home you will find a wood deck for kayak storage and launch access is just a few minutes away. Aquia Harbour offers unmatched amenities: 24-hour manned front gate, resident-only rear gate, with Potomac winery only a few miles away, marina with boat ramp, two swimming pools, golf course with pro shop and clubhouse restaurant, tennis/basketball courts, dog park, horse stables, nature trails, community garden, multiple parks, fishing areas, and year-round events like fireworks, outdoor movies, and Oktoberfest. Wildlife sightings are common—deer, bald eagles, herons, wildlife thrive in this serene setting. The Harbour is also within a few miles of 95, route 1 and commuter lots. This home was meticulously loved and cared for by its original owners. Updates include; New Roof 2025, New Gutters and Down spouts 2025, New AC & Furnace downstairs 2025, Upstairs AC & Furnace 2018, New Garbage Disposal 2025, Shutters painted, All Appliances serviced yearly to include microwave, dishwasher, fridge, washer, dryer. Hot Water Heater and Fireplace recently serviced. House was recently power washed, and gutters cleaned. Stamped concrete pad added for additional parking as well as additional driveway parking spaces added at the end of the driveway. Don't miss this opportunity to own a home that was thoughtfully planned and well maintained!
Source: BRIGHT #VAST2037934
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
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If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
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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 #VAST2037934
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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