601 Coastal Ave
Stafford, VA 22554
5 beds · 4 baths · 3,423 sqft
$720,000
Get prequalifiedAbout this home
Located on a beautifully landscaped corner lot in the highly sought-after Embrey Mill community, 601 Coastal Ave offers a rare blend of thoughtful upgrades, quality finishes, and outdoor living at its finest. Inside, the gourmet kitchen is a dream for culinary enthusiasts—featuring an expansive quartz island perfect for entertaining, an abundance of cabinetry, generous countertop space, custom pantry, and stainless steel appliances. The open layout flows seamlessly into the dining and living areas, making it an ideal space for gatherings both large and small. The primary suite is a true retreat, featuring a spacious layout, walk-in closets with custom built-ins, and a spa-inspired bath with double vanities and a luxurious tile walk-in shower. The fully finished walk-up basement includes a spacious bedroom, bonus room, full bath, and a custom wet bar—perfect for guests or entertaining. Outside, you'll love the professionally designed hardscape with built-in seating on the paver patio, upgraded mulch beds, and a full wooden privacy fence. A smart WiFi irrigation system with a rain monitor and buried downspouts with pop-up valves help maintain the lush landscaping with ease. Additional upgrades include durable Hardie plank and stone siding, faux wood blinds throughout, added cabinetry and utility sink in the laundry room, a whole-house water filtration and softener system, HVAC sanitizer (Reme Halo UV), and a brand-new 80-gallon hybrid water heater installed in June 2025. Even the magazine-worthy yard has earned professional recognition, reflecting the care and thoughtful upgrades poured into every inch of this beautifully maintained home. Experience the perfect blend of luxury, comfort, and functionality in one of Stafford’s most vibrant communities—this is one you won’t want to miss.
Source: BRIGHT #VAST2039946
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FAQs
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.
Stafford, VA 22554
5 beds · 4 baths · 3,423 sqft