100 Chesapeake Cv, Stafford, VA 22554
4 beds · 4 baths · 3,600 sqft
Welcome to 100 Chesapeake Cove – A Serene & Sophisticated Retreat in Aquia Harbour. Nestled in the highly sought-after gated community of Aquia Harbour, this stunning 4-bedroom, 3.5-bathroom home offers over 3,600 square feet of custom-crafted living space across three beautifully finished levels. Perfectly positioned on a corner lot in a quiet cul-de-sac near the front gate, this home delivers both privacy and convenience for easy access in and out of the neighborhood. Step through the front door and be greeted by gleaming marble floors and thoughtfully designed spaces rich in detail. To the right, French doors open into the elegant formal living room featuring warm, wood floors. Flow effortlessly into the formal dining room, where wainscoting and an exquisite wall of custom built-in wood cabinetry create a space that is both dramatic and functional—ideal for entertaining or showcasing treasured collections. The heart of the home—the window-lined kitchen—boasts granite countertops, a double oven, a charming breakfast nook, two generously sized pantries, and a truly unique custom wood-lined tray ceiling, adding warmth and personality. Adjacent is the expansive family room, anchored by a cozy gas fireplace surrounded by detailed custom wood built-ins and high-end wood wainscoting. The crown jewel of the main level is the handsomely appointed home office, showcasing rich, floor-to-ceiling wood wainscoting panels and built-in bookcases, creating a striking study or library space with timeless, academic charm. Upstairs, the spacious primary suite offers comfort and flexibility, featuring a walk-in closet and private access to the fourth bedroom (which touts 2 closets)—ideal as a nursery, reading room, or custom dressing area. The luxurious ensuite bath includes a second walk-in closet, jetted walk-in tub, separate shower, dual vanities, and generous linen storage, giving the primary suite a total of 143 sq ft of walk in closet space. Two additional bedrooms, a full hall bath, and an upstairs laundry room complete the upper level. The fully finished basement extends the living space with a second family room and kitchenette, a large fifth bedroom (NTC), and a full bath—perfect for guests, in-laws, or multi-generational living. From here, access the oversized two-car garage, which includes ample storage, rough-ins for a sauna or hot tub, a utility sink, and additional laundry hookups. Outside, enjoy the expansive rear deck with a built-in gazebo that spans the length of the home—ideal for relaxing or entertaining in style. Amenities abound in this vibrant community adding to your quality of life – from multiple pools, sports courts, walking trails, playgrounds, fishing parks, a dog park, a community restaurant - to water privileges, marina access, boat docks - there is something for everyone! Want even more? With additional fees, there is access to even more - golf club memberships, yacht club memberships, a self-care boarding stable with equestrian trails, marina slip rentals, it even has its very own preschool! To top it off, this gated community comes equipped with 24/7 manned security and its very own Police Force and Fire Dept, making it a peaceful and protected haven. Conveniently located just off 95 & Route 1 - 10 min to the gates of Quantico and less than 2 miles from all of the shopping and dining 610 has to offer. With custom, handcrafted woodwork throughout and a location in one of Stafford’s most prestigious gated communities, 100 Chesapeake Cove is more than just a home—it’s a lifestyle you’ll fall in love with from the moment you arrive. POTENTIAL BUYERS: UNLESS ATTENDING A SCHEDULED OPEN HOUSE, YOU MUST BE ACCOMPANIED BY A REALTOR IN ORDER TO GAIN ACCESS AT THE SECURITY GATE.
Source: BRIGHT #VAST2036968
Source: BRIGHT #VAST2036968
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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 committed to and abides by the Fair Housing Act of Equal Opportunity Act.