6330 Kleineidam Way, Spotsylvania, VA 22551
4 beds · 3 baths · 2,482 sqft
Motivated Seller & Secluded Country Living with Modern Comforts! Listed under recent appraised value! Welcome to this stunning single-family home, set on 11.012 acres in a peaceful, no-HOA subdivision just two and a half miles from I-95. Built in 2006 and meticulously maintained by the original owners, this 3-level home offers privacy and convenience, located 40 minutes from Quantico and 40 minutes to Richmond Airport. Step into the impressive foyer with its soaring 20-foot ceiling, leading to a spacious living room with a gas fireplace and matching 20-foot ceiling. The main level also features beautiful wood floors throughout, except in the primary master suite bath, which offers an en-suite bathroom and walk-in closet. A formal dining room, eat-in breakfast area, and a well-appointed kitchen with new SS appliances round out this level. The laundry area is conveniently located on the main floor with like new washer and dryer. Upstairs, you’ll find three additional bedrooms, including a very large bedroom with new carpet (2024) and another with a bonus room, perfect for added living space or storage. A full bathroom and easy attic access complete the second floor. The unfinished basement spans approximately 1,500 sq. ft., with a rough-in for future bathroom, 10-foot ceiling, marble/granite flooring, offering plenty of potential for customization, man cave or teen hang out area. A new sliding glass door allows walk out level to the backyard. This home includes a 2.5-car attached garage, shed, chicken coop, a charming front porch, and a 12x12 rear deck, ideal for outdoor relaxation. Recent updates include a new water heater and well pressure tank (2022) and a new basement sliding door (2024). Fresh Paint throughout in 2024. The property also boasts a 30x44 steel building (barn) constructed in 2022, featuring a 10x30 left lean-to with a concrete floor and 6-inch drain. Two individual chicken coops with runs and a large garden with raised beds make this home perfect for those seeking a rural lifestyle with modern amenities. The property was surveyed in 2024 to establish a second lot, and new plats show perked areas. Internet is Xfinity by Comcast. , Heat Pumps are zoned=one for upper level the other for main and lower level. Fireplace cleaned and serviced in August 2024. Electric is Rappahannock Electric Cooperative. Trash pick up available. Home Warranty available ! Road Maintenance agreement available. Extra lot was surveyed and approved for 4 BR 2 BA home but not split at the County, back up septic on main house approved. Don’t miss the opportunity to own this peaceful retreat while still being close enough to major amenities and highways.
Source: BRIGHT #VASP2027872
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #VASP2027872
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.
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.
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 620, 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.