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45 Saint Marys Ln, Stafford, VA 22556
4 beds · 3 baths · 3,212 sqft
Gorgeous Colonial that is comfortably situated on 3.92 acres surrounded by nature at its finest within the well-desired community of Magnolia Woods. This immaculate 4-bedroom and 2.5-bathroom home provides over 4500 sqft of living space filled with ambient lighting. As you arrive, enjoy a long full paved driveway surrounded by well maintained & manicured landscape right up to your 2-car fully finished garage with non-slip flooring providing you with more than ample parking. As you enter this home from your enormous covered deck, you are greeted with gleaming hardwood floors and soon realize the owners have spared no expense with the many upgrades. The Main level boasts a gourmet kitchen with granite counter tops, large granite island, stainless steel appliances, chef double ovens, gas stove with convention/regular option. Main floor continues to impress with a large formal family room, dining room, spacious living room with gas fireplace with remote, large half bath, home office, mud room with vanity & sink and a separate sunroom overlooking the gardens, forest and wildlife. The hardwood flooring continues up the oversized stairwell to the second floor that has a huge primary bedroom with sitting area, oversized walking-in closet and a beautiful en-suite bathroom highlighted with a large shower, gorgeous spa claw foot tub and separate sink vanities. The second floor provides 3 additional spacious bedrooms, all with walk-in closets, a linen closet, full bathroom and large laundry room with a sink, additional counter space and cabinets while proving a great view. The walk-out lower level has so much potential which is partially finished having been framed and insulated ready to complete a 5th legal bedroom and full bathroom. This lower level has extra high ceilings and is ready for your vision and final touches. There is plenty of room for entertaining all year long with a large patio off the sunroom, an outdoor kitchen in the backyard equipped with a stainless-steel BBQ (propane hooked up to main tank), mini fridge, 2 additional patios and large screened in gazebo. Also, there is a walk-in shed that provides plenty of room for garden tools, a riding lawn mower or other equipment. Close to I95, Train station, Schools, Shopping, Fredericksburg , Woodbridge, Quantico, Wineries and so much more! **Assumable VA Loan 4.125 UPGRADES 2017 - New Roof 2020 - painted all concrete around home (white) 2020 - New Egress downstairs in lower level 2021 - Painted back stairs & sides 2021 - New Kitchen Aide dishwasher 2022 - New drywall tape, paint, window trim & painted garage door with anti-slip paint 2022 - Purchased new blinds for windows in garage and painted garage door entry 2022 - Painted entire shed & added lattice works 2022 - Painted Gazebo 2022 - Professional painted columns on front porch 2022 - Repainted backstairs (added extra coat & touch up) 2022 - Replaced guest toilet with self-cleaning toilet 2023 - Replaced kitchen faucet 2023 - Replaced primary bathroom counter with quarts & new hardware 2023 - Completed tree & shrub removal 2023 - Fixed basement cement wall leak by a engineering firm 2023 - Replaced main floor half bath toilet with self-cleaning toilet 2023 - Replaced main floor mudroom sink with sink & cabinet combo 2022-Painted shed added lattice and new ramp-2024 2024 - Entire property surveyed and marked 2024 - (May) New fence built between neighbors 2024 - (May) replaced spring on garage door (1 year warranty) 2024 - Wireless key entry on garage outside 2024 - (Sept) New blinds in sunroom, family room, main upstairs bathroom & laundry room Each year tree removal & mulch replacement as well as chipping trails Each year power wash entire home
Source: BRIGHT #VAST2039160
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
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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 #VAST2039160
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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