Sign in to see required down payment for the 3.25% rate
4422 Neptune Dr, Alexandria, VA 22309
4 beds · 3 baths · 2,774 sqft
Welcome home to the coveted community of Yacht Haven! Nestled on a quiet peninsula along the Potomac River, this beautifully updated three-level home offers a rare opportunity to own a private retreat in this highly desirable community. Inside, you'll find an inviting living room featuring gorgeous hardwood floors, a cozy fireplace, and an oversized picture window flooding the space with natural light. At the heart of the home, the exquisite gourmet kitchen shines with bright Shaker-style cabinetry, sleek quartz countertops, a classic subway tile backsplash, and stainless steel appliances including a double oven and a statement range hood. The peninsula breakfast bar opens seamlessly into the dining area, making the home perfect for everyday living or entertaining guests. One of the standout features of this space is the custom folding glass door that opens from the kitchen to the backyard. Unlike a standard slider, both glass panels fold completely open, creating a wide, airy flow between indoors and out. It’s an eye-catching feature that makes entertaining a breeze and adds an extra touch of modern luxury. A few stairs lead to the private bedroom level, which features a spacious primary suite with abundant closet space and a generously sized en suite bath. Two additional bedrooms on this level each offer wide closets and share a beautifully updated full hall bathroom. The lower level offers a large recreation room with a built-in wet bar—perfect for movie nights or hosting friends for the big game. This level also includes the fourth bedroom and third full bathroom, offering great guest accommodations, and a versatile bonus room that’s ideal for a home office, gym, or creative studio. From the kitchen, the home flows directly out to your own peaceful oasis—an expansive stone patio surrounded by mature trees that provide both shade and privacy, making it ideal for relaxing or entertaining. Beyond the patio, the property includes a detached 23’ x 15’ structure currently used as a home gym. This well-designed building is climate controlled with a mini-split system, wired for power and ethernet, and constructed with steel framing, modular panels, and thick foam insulation, providing exceptional temperature control and comfort throughout the year. Whether used as a gym, office, art studio, workshop, or guest space, this is a highly flexible and valuable extension of the home. Also included are a storage shed, a play structure ready for fun, and an attached carport and long driveway offering plenty of parking for both you and your guests. This home features recently installed, fully paid-off solar panels, giving the new owner immediate access to lower energy costs without any lease or maintenance. While still new, the panels are expected to significantly reduce the electric bill. During installation, the sellers also replaced the roof and added substantial blown insulation, boosting both comfort and long-term energy efficiency. Located on a quiet circle, you’ll enjoy the peace of this beloved riverside community. While there’s no neighborhood HOA, residents have the opportunity to bypass the waitlist to apply for membership at the Mount Vernon Yacht Club, with exclusive access to an outdoor pool, marina, and social events. This private retreat is just minutes from Safeway, Wegmans, Springfield Town Center, Old Town Alexandria, Mount Vernon, Pohick Bay Regional Park, and Fort Belvoir. With quick access to the GW Parkway, Route 1, I-95, and Telegraph Road, commuting and exploring Northern Virginia is easy and efficient. Don’t miss out on this rare opportunity! Schedule a private tour of your gorgeous new home today!
Source: BRIGHT #VAFX2252426
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 #VAFX2252426
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.
No credit check. Takes 2 minutes.