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98 Wateredge Ln , Fredericksburg, VA 22406
$849,900
Est. Payment: $4,452.52/mo
4 Bed
6 Bath
5575 Sqft
3 Acres
Status: active under contract | Days on site: 96
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AYS1 - 3283929,3017989
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House Description

SELLER IS MOTIVATED AND UNDERSTANDS THAT BUYERS MAY WISH TO PERSONALIZE THE HOME TO THEIR TASTE. WITH AN ACCEPTABLE OFFER, SELLER IS WILLING TO CONSIDER A RENOVATION/UPGRADE CREDIT TO HELP MAKE YOUR VISION A REALITY. SELLER IS ALSO WILLING TO NEGOTIATE A CONTRIBUTION TOWARD THE BUYER'S CLOSING COSTS, SUBJECT TO MUTUALLY AGREEABLE CONTRACT TERMS. DON'T MISS THIS OPPORTUNITY TO PURCHASE A BEAUTIFUL HOME WITH ADDED FLEXIBILITY TO HELP MAKE IT YOUR OWN! RECENT $50K ADJUSTMENT TO REFLECT THE UPDATED MARKET! Unique financing opportunity! Qualified buyers may be eligible to assume the sellers' existing VA loan with an approximate balance of $608,000 at a fixed interest rate of 3.25%, subject to lender and VA approval. Buyers are encouraged to verify eligibility and assumption requirements with the loan servicer.Welcome to Water Edge Estates, a highly sought-after community of stately homes nestled on just over 3 acres of serene, wooded privacy with minimal HOA restrictions. This exceptional property features major upgrades, including a brand-new roof and gutters (2025), luxury vinyl plank flooring throughout the finished basement, a custom bar and game room, and a stunning stone patio with swim spa (just 3 years young), perfect for year-round relaxation and entertaining. Additional recent improvements include a newly replaced water softener and UV filtration system (Dec. 2025), and a brand new TRANE dual-zone HVAC system (2024). The home has been thoughtfully prepared for the market with fresh interior paint in the primary bedroom, main-level suite, and guest room, a freshly painted front porch and basement fireplace, professional steam-cleaned carpets, touch-up paint on doors and trim, power washing of the entire exterior (including the detached screened structure), and a newly stained back deck, creating a clean, move-in ready feel throughout. Inside, the home offers 4 spacious bedrooms, each with its own private bathroom, along with 5 full baths and 1 half bath. The main level features a guest suite or optional primary bedroom, hardwood floors, and a dramatic two-story family room with a propane fireplace. The gourmet kitchen includes cherry soft-close cabinetry, stainless steel appliances, a wall oven with separate convection oven, island, pantry, and a new dishwasher. Upstairs, the primary suite offers dual walk-in closets and a luxurious spa-like bath. The fully finished basement is an entertainer’s dream, featuring luxury vinyl plank flooring, a custom bar with large sink, wood-burning fireplace, built-in cabinetry, upgraded full bathroom, and a pool table that conveys. Outdoor living is exceptional with a back deck with gas grill hookup, a detached screened-in porch with electricity and ceiling fan, a custom firepit area backing to woods, and a stone patio with swim spa. The outdoor TV conveys, offering an added bonus for entertaining. Additional features include a 2-car garage with generator hookup, large utility sink in the laundry room, new washer and dryer, and a 100-gallon propane tank. Located just minutes from Abel Lake Reservoir, perfect for kayaking and paddle boarding, and conveniently close to I-95, shopping, dining, hiking trails, historic landmarks, breweries, and wineries.

Highlights

Listed by Myandi Jo Peterson , 5408728350 and Lisa A. Bergman , 5404544472 Your Home Sold Guaranteed Realty - At Your Service , 5404121206. Bright MLS

Property Type

Residential

Lot/Acreage
3

HOA Fee

192 Annually

Year Built

1997

County

Stafford

Neighborhood

Water Edge Estates

School District

Stafford County Public Schools

Listing ID

VAST2047128

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:6
  • ▪ Full Bathrooms:5
  • ▪ 1/2 Bathrooms:1
Appliances:Built-In Microwave, Built-In Range, Dishwasher, Dryer - Front Loading, Icemaker, Intercom, Oven - Wall, Oven/Range - Gas, Refrigerator, Stainless Steel Appliances, Washer, Water Heater - Tankless
Air Cond:Ceiling Fan(s),Central A/C,Zoned
Fireplaces:Gas/Propane,Brick,Wood,2 Fireplaces
Floor:Ceramic Tile,Hardwood,Carpet
Above Ground Sq Ft:3655
Below Ground Sq Ft:1920
Basement:Full,Connecting Stairway,Fully Finished,Outside Entrance,Rear Entrance,Walkout Level
Other:
  • ▪ Main Floor Bedrooms:1
  • ▪ Additional:Carpet, Ceiling Fan(s), Chair Railings, Crown Moldings, Entry Level Bedroom, Family Room Off Kitchen, Floor Plan - Open, Formal/Separate Dining Room, Kitchen - Gourmet, Kitchen - Island, Primary Bath(s), Pantry, Skylight(s), Walk-in Closet(s), Water Treat System, Wood Floors, Built-Ins, Kitchen - Eat-In, Kitchen - Table Space
Water:Well,Private

Exterior Features

Lot:Backs to Trees,Level,Partly Wooded,Private,Not New Construction,Horse Property: No
Garage Capacity:2
Zoning:A1
Roof:Architectural Shingle
Others:
  • ▪ Additional:Chimney Cap(s), Exterior Lighting, Hot Tub, Play Equipment, Roof Deck, Very Good, Common Area Maintenance
Sewer:Septic < # of BR
Parking Features:Asphalt Driveway,Circular Driveway,Garage - Side Entry,Garage Door Opener,Inside Access,Attached Garage,Driveway,Off Street,2+ Spaces,1+ Spaces
Principal Interest
$4,453
Taxes
$615
HOA
$192

Home Price

$849,900

Loan Details

30 yrs
6.844%

Down Payment

20%
$169,980
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:
$4,452.52

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,452.52 $615.33 $192.00 $5,259.85
Yearly $53,430.19 $7,384.00 $2,304.00 $63,118.19
Total $1,602,905.66 $221,520.00 $69,120.00 $1,893,545.66
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: 2026-11-14T01:13:51.000Z

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