78 Canterbury Dr, Stafford, VA 22554
4 beds · 3 baths · 5,084 sqft
Nestled along the Potomac River and Aquia Creek, this custom-built Colonial offers a blend of elegance and historical significance. Located in an exclusive 12-home community, the property offers direct water access with a private dock, boat slip, and a boat ramp, making it a dream for boating enthusiasts. The home boasts 9' ceilings, crown molding, and stunning views throughout, especially from the multiple verandas. The primary suite offers a sitting area, a walk-in closet, and an en-suite bath with dual vanities, a soaking tub, and a shower. Two additional upstairs bedrooms share a walk-in closet that can also serve as a play area or extra living space. The kitchen offers an island, stainless steel appliances, and ample cabinetry opening to a grand family room with cathedral ceilings and a propane fireplace. An adjoining spacious sunroom provides a peaceful retreat with stunning river views, while the formal dining room and two main-floor flex spaces add elegance and versatility. The finished walkout basement, pre-wired for surround sound, offers endless possibilities and includes a rough-in for a fourth bathroom. Outside, enjoy scenic walking trails, lush fruit-bearing trees, a charming gazebo, and a private park area with a fire pit, as well as panoramic river views from “Pirates Peak.” Located just minutes from Aquia Landing Park—a site rich in Civil War history, known for its sandy beaches, pavilions, and fishing spot this home is also an easy commute to Washington, D.C., Quantico, and Fredericksburg via nearby highways and the Brooke Station VRE. This extraordinary property seamlessly blends luxury, history, and natural beauty. Whether you're seeking a serene private retreat or a stately home with rich historical connections, this is a once-in-a-lifetime opportunity to own a piece of Virginia’s treasured past and present.
Source: BRIGHT #VAST2036660
Learn about how it works
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.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #VAST2036660
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.