17064 Belle Isle Dr, Dumfries, VA 22026
7 beds · 8 baths · 6,694 sqft
RARE OPPORTUNITY! If you’ve been waiting for the highly sought-after NV Homes PORTSMOUTH model in Potomac Shores, here’s your chance! Nestled in the exclusive Fairways Overlook, this is one of the most coveted sections, featuring the LARGEST FRONTAGE LOTS in the community and unparalleled elegance. This 7 BEDROOM, 7.5 BATH estate is located on the outer rim of this prestigious enclave, offering serene, wooded views, all while being just across from the 14th fairway of the Jack Nicklaus-designed Potomac Shores Golf Course! With 6,600+ FINISHED SQ. FT., this home lives even larger thanks to its FOUR distinct outdoor living areas: a stunning upper & lower front porch, a covered wrap-around back porch off the kitchen, and a screened wrap-around porch that allows direct access to the FLAT backyard, perfect for outdoor entertaining. Step inside, and prepare to be WOWED by soaring ceilings, gleaming WALNUT hardwood floors, a breathtaking sweeping front staircase with an elegant chandelier, and exquisite coffered ceilings adorned with Virginia Tidewater details. The formal dining room flows seamlessly into the kitchen via a Butler’s Pantry, while the adjacent formal living room opens into the expansive Great Room, featuring a remote-controlled, dual-sided gas fireplace with stone hearth ideal for both intimate gatherings and grand entertaining both indoors and out. The heart of this home is the chef’s dream GOURMET kitchen, complete with a large center island, sleek 42” cabinets, above and below cabinet lighting, stainless steel appliances, a gas range with pot filler, a chic backsplash, upgraded QUARTZ countertops, and a walk-in pantry. A sunlit morning room extends from the kitchen with direct access to the covered back porch—your perfect spot for morning coffee or evening relaxation. Also on the main level, you’ll find a private ensuite bedroom, ideal for guests or multi-generational living, plus a convenient powder room. The family arrival center, with built-in bench and cubbies, provides effortless organization and leads to the second oak staircase to the upper level. Upstairs, the luxurious primary suite is a true retreat, positioned at the rear for maximum privacy. It features new carpet, two oversized custom walk-in closets, a spa-like en-suite bath with a soaking tub, an expansive walk-in shower with DUAL showerheads, and a built-in bench. Each of the FOUR additional bedrooms upstairs is generously sized, featuring its own private en-suite bath, new carpet, ceiling fan, and walk-in closet. A full-size laundry room with newer Samsung washer/dryer, sink, and cabinets completes the upper level. The lower level is an entertainer’s dream, with a HUGE rec room, new carpet, theater room, wet bar, game area, full bath, and legal bedroom, plus ample storage with built-in shelving ensures you have space for everything. Additional highlights include a 3-car tandem finished garage with overhead storage, Tesla charger, and a newly surfaced floor with a lifetime warranty. The home also features an in-ground sprinkler system with a Rachio smart controller, ensuring a lush lawn year-round. This home is ENERGY STAR CERTIFIED, equipped with a two-zone HVAC system (13 SEER-rated AC & 95% high-efficiency gas furnace), providing remarkable energy savings month after month, and Nest Thermostats and Low E windows. Living in Potomac Shores means access to amazing amenities, including state-of-the-art fitness facilities, three resort-style pools, the Tidewater Grill, 10 miles of scenic trails, a canoe/kayak launch, and an active social scene! Plus, Covington-Harper Elementary, Potomac Shores Middle, John Paul The Great High School—and the Ali Krieger Sports Complex are right within the community. With the upcoming Town Center and VRE station under construction, Potomac Shores is poised for even more growth and convenience. DON’T WAIT—Homes of this caliber and location in Potomac Shores RARELY hit the market!
Source: BRIGHT #VAPW2088268
Financials
Source: BRIGHT #VAPW2088268
Source: Public records
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%. 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.
Other resourcesWhat 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.
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