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12 Pensacola St , Fredericksburg, VA 22406
$445,000
Est. Payment: $2,331.30/mo
2 Bed
2 Bath
1502 Sqft
0.16 Acres
Status: active | Days on site: 101
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House Description

Beautifully maintained single-level living, just a stroll from the Riverside Lodge — in Celebrate, Fredericksburg's premier 55+ community. Welcome to 12 Pensacola Street, a light-filled Passport-model rambler that lives easy from the moment you arrive. Inside, an open-concept layout unfolds with rich hardwood floors, plantation shutters throughout, and a bright, connected flow between the living, dining, and kitchen areas — single-level comfort with no interior stairs. The gourmet kitchen is made for gathering, offering a spacious breakfast island, abundant cabinetry, a large pantry, and generous counter space. A patio door off the kitchen opens to your private stamped-concrete patio. Two bedrooms and two full baths are complemented by a versatile office/den — ideal for a home office, hobby space, or reading room. The primary suite features a walk-in closet and a spa-inspired ensuite with a large tile shower with built-in seat and double sinks. A second bedroom sits conveniently near the full main bath, and a central laundry room adds everyday ease. The 2-car garage includes a rare bonus: extra built-in storage most models in the community don't offer, plus a mudroom entry with a pocket door into the main living area. Then there's the lifestyle. Your HOA covers lawn care and trash pickup — ideal for lock-and-leave living, so you can travel freely knowing your home and yard are maintained while you're away. As a Celebrate homeowner, you'll enjoy full access to the resort-style Riverside Lodge: indoor and outdoor pools, spa, fitness center, indoor walking track, ballroom, billiards, putting green, tennis, pickleball, bocce, garden plots, an amphitheater, and 60+ clubs and classes — to enjoy as much or as little as you like. Mary Washington Hospital is just minutes away, with Stafford Hospital a short drive north, and historic downtown Fredericksburg, battlefields, golf, and Lake Mooney are all close by. Meticulously cared for and move-in ready — your next chapter starts here.

Highlights

Listed by Andrea T Staples , 5408458074 Keller Williams Capital Properties , 5406598633. Bright MLS

Property Type

Residential

Lot/Acreage
0.16

HOA Fee

340 Monthly

Year Built

2019

County

Stafford

Neighborhood

Celebrate Virginia North

School District

Stafford County Public Schools

Listing ID

VAST2052168

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Built-In Microwave, Dishwasher, Disposal, Dryer - Electric, Exhaust Fan, Icemaker, Oven - Self Cleaning, Oven/Range - Gas, Range Hood, Refrigerator, Washer, Water Heater
Air Cond:Central A/C
Fireplaces:
Floor:Carpet,Ceramic Tile,Wood
Above Ground Sq Ft:1502
Other:
  • ▪ Main Floor Bedrooms:2
  • ▪ Additional:Carpet, Ceiling Fan(s), Combination Dining/Living, Entry Level Bedroom, Floor Plan - Open, Kitchen - Island, Pantry, Recessed Lighting, Bathroom - Tub Shower, Upgraded Countertops, Walk-in Closet(s), Wood Floors, Window Treatments
Water:Public

Exterior Features

Lot:Front Yard,Landscaping,Rear Yard,SideYard(s),Not New Construction,Horse Property: No
Garage Capacity:4
Zoning:RBC
Others:
  • ▪ Additional:Sidewalks, Street Lights, Underground Lawn Sprinkler, Club House, Common Grounds, Fitness Center, Pool - Outdoor, Pool - Indoor, Retirement Community, Tennis Courts, Game Room, Party Room, Putting Green, Billiard Room, Concierge, Exercise Room, Hot tub, Jog/Walk Path, Meeting Room, Common Area Maintenance, Lawn Care Front, Lawn Care Rear, Lawn Care Side, Trash, Lawn Maintenance, Reserve Funds
Sewer:Public Sewer
Parking Features:Concrete Driveway,Garage - Front Entry,Garage Door Opener,Additional Storage Area,Inside Access,Attached Garage,Driveway,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$2,331
Taxes
$321
HOA
$340

Home Price

$445,000

Loan Details

30 yrs
6.844%

Down Payment

20%
$89,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,331.30

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,331.30 $320.92 $340.00 $2,992.21
Yearly $27,975.57 $3,851.00 $4,080.00 $35,906.57
Total $839,266.99 $115,530.00 $122,400.00 $1,077,196.99
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Fredericksburg, VA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bright MLS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-11-14T13:14:08.000Z

© 2026 Bright MLS