23115 Mt Cloud Rd, Bowling Green, VA 22427
3 beds · 2 baths · 2,450 sqft
Stunning Upgraded Cape Cod on 10+ Acres with Modern Amenities & Energy Efficiency! Welcome to this beautifully upgraded Cape Cod-style home, privately nestled on a sprawling 10.37-acre parcel—offering the perfect balance of comfort, sustainability, and smart home living. This exceptional property boasts a brand-new architectural roof with a 50-year transferable warranty, owned solar panels, and a Generac 10kWh battery backup system to support the well pump and refrigerator—providing peace of mind and long-term energy savings. Inside, you’ll find a thoughtfully designed main-level primary suite, a cozy living room with a gas fireplace, and adjustable smart recessed lighting throughout. The kitchen is equipped with a new French-door refrigerator, gas stove, and ample cabinet and counter space—perfect for home cooks. A bright and airy sunroom with vaulted ceilings and motorized smart roller shades (control hub included) opens to two separate outdoor patios—one leading to the above-ground pool and spacious outbuildings, and the other to a private hot tub with an energy-efficient newer cover. Upstairs are two bedrooms, a massive storage closet and a hall bathroom along with a bonus room perfect for office use or gaming. The home has been enhanced with high-tech and luxurious upgrades, including: Touchless faucets and toilets, Smart thermostats, Tankless water heater with Wi-Fi capabilities, high efficiency washer and dryer, Smart deadbolt on a new front door and low-e storm door, Grizzly 40-amp EV charger in the garage, Bluetooth-enabled guest bathroom fan with nightlight and speaker, Wi-Fi enabled 60” ceiling fans with remote control, Cost-efficient outdoor LED lighting, Motion-activated candlelight porch lights with dusk-to-dawn sensors, Pre-installed low-profile over-the-air TV antenna, Pre-installed security system (activation required), including environmental monitoring for smoke and CO. The property also features two versatile outbuildings—one shed with a power rack included, and a larger structure with a covered carport and a 12x20 concrete pad, ideal for additional storage or workspace. Practical upgrades include a brand-new well pressure tank, long freshly graveled driveway. This home is a rare opportunity to enjoy modern living and energy efficiency in a serene, private setting within proximity to Fredericksburg, Richmond and Maryland.
Source: BRIGHT #VACV2008186
Source: BRIGHT #VACV2008186
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.