VA loan
1 of 54
VA loan
$649,900
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66 Marsh Rd, Fredericksburg, VA 22406

4 beds · 4 baths · 2,789 sqft

It’s here: Your serene country oasis... on a beautifully-tucked, acre-plus lot in Stafford... anchored by a modern colonial residence! Introducing 66 Marsh Road! Constructed in 2016, this modern colonial includes four bedrooms, 3.5 baths, plus a finished basement!. It sits on a no-HOA, 1.22-acre lot in western Stafford County. The residence is quietly nestled just south of Route 17 – with this location, a number of grocery, dining and shopping options are within 10 minutes; I-95 access is within 10 minutes (Route 17 exit); and the heart of Downtown Fredericksburg is just 20 minutes southeast. So much recreation is in between, with the Gauntlet Golf Club, Curtis Park and more within 10 minutes, too! Zooming in on the acreage here, note the new brick paver driveway segueing to the two-car garage – there is more than 2,500 square feet of parking space here, folks! The front yard includes a large tree, two planting beds and a flagpole for added charm. Out back, the terrain is lightly hilled with a composite deck for taking in the serene vibes. Note the half-shed/half-greenhouse for all of your storage and green thumb needs – such a cool feature! Worth noting, the residence has a whole home generator on the side of the house and is equipped with a second electrical panel, should you need a car charger. The home itself is a soft brown with blue shutters and a popping red door. Heading inside you’ll find naturally lit spaces, 9-foot ceilings, lovely molding accents and gleaming hardwood floors. Main level rooms include the office with two big windows and chair rail molding; dining area with chandelier; and the open kitchen. The kitchen includes a granite-topped breakfast bar/island with double sink, stainless steel appliances and 42-inch medium brown cabinetry. Off the kitchen is the family room with three large bay windows and a gas fireplace; a breakfast nook with a double-door to the deck; and access to the pantry, half bath, laundry room and garage. Upstairs are three carpeted bedrooms and two full baths. The primary suite includes a walk-in closet with built-ins and a routed security monitoring set-up; and ensuite bath complete with a deep tub with designer tile surrounds, glass-enclosed shower, double- vanity and linen closet. Of the two additional bedrooms upstairs, one has modern decorative shelving that conveys and the other has attic access. The final full bath (note the extensive tiling like the primary bath!), includes a tub/shower combo and single sink. Before heading back downstairs, note the large landing area with windows – there’s an area that’s primed for a reading nook here! We have a finished basement here, too, with sleek LVP flooring! It includes a large living room with a walk-up exit to the back yard – the living room may easily house a mini-kitchen, should your heart desire! Additional lower-level components include a bedroom, full bath (large walk-in shower!), utility area and unfinished storage space. Of so many things to love at 66 Marsh Road, its current owners will miss the nature and quiet... all while being close to all the Fredericksburg action. Come experience all that this home has to offer!

Estimated
Seller's interest rate
2.5%
7%
Estimated
Monthly payment

$2,429
$3,461
You may also save up to $315,562 in total interest paid.

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.

Seller’s estimated current equity is SIGNIN
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $3,461 monthly payment

Financed
SIGNIN
Location
Loan details
Loan type
VA
Rate
2.5%
Remaining term
25 yrs and 6 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$2,429
Principal & interest
$1,758
Mortgage insurance
-
Property taxes
$449
Home insurance
$222
HOA fees
-
Utilities
Not included

Source: Public records

Home details
Size
2,789 sqft
Lot size
1.22 acres
Year built
2016
Type
Single Family Residence
HOA dues
$0.00

Source: BRIGHT #VAST2039334

Frequently asked questions

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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Last updated: Jun 19, 2025 11:25 pm
Listing agent: Amy Cherry Taylor (540) 845-7619
Listing provided courtesy of: Porch & Stable Realty, LLC (540) 632-2824
Details provided by BRIGHT and may not match the public record.
MLS ID: #VAST2039334
The data relating to real estate for sale on this website appears in part through the BRIGHT Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms in which Roam Brokerage, LLC participates, and is provided by BRIGHT through a licensing agreement. The information provided by this website is for the personal, non-commercial use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some properties which appear for sale on this website may no longer be available because they are under contract, have closed or are no longer being offered for sale. Information Deemed Reliable But Not Guaranteed. Copyright © 2025 Bright MLS. All rights reserved.
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Est. seller's rate
2.5%
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