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109 Chesapeake Cove , Stafford, VA 22554
$515,000
Est. Payment: $2,698.02/mo
4 Bed
3 Bath
2708 Sqft
0.36 Acres
Status: pending | Days on site: 17
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BELC1 - 3291310
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House Description

Timeless Colonial charm, distinctive architectural details, and inviting outdoor spaces await at 109 Chesapeake Cove. Conveniently located near Aquia Harbour’s front gate, this four-bedroom home with two full baths and one half bath sits on approximately 0.36 acres, framed by mature trees, established landscaping, and extensive hardscaping. A handsome brick façade welcomes you inside, where wood floors and crown molding lend warmth to the foyer and front living spaces. Gather in the separate dining room with its lovely bay window, or settle into the study, where French doors and built-in shelving create an inviting place to work or read. The kitchen offers generous cabinetry, a peninsula cooktop, double wall ovens, and an adjoining eating area overlooking the family room. Here, a vaulted ceiling, skylights, and arched windows fill the space with natural light, while a striking brick fireplace provides a beautiful focal point. Step outside to a broad rear deck overlooking the generous lawn—an appealing setting for summer dinners, gardening, and relaxed afternoons. Paver walkways and stone-bordered planting beds add character throughout the grounds. An attached garage and detached storage shed provide practical space, while a Generac whole-house generator adds the convenience of backup power. Ready for your personal touches and updates, this home offers classic character and room to make it your own. Enjoy Aquia Harbour’s marina, two seasonal swimming pools, nine-hole golf course and driving range, stables, parks, playgrounds, walking trails, and country club dining. Certain amenities require additional fees or memberships.

Highlights

Listed by John Addison Moulds , 5403768824 Belcher Real Estate, LLC. , 5403009669. Bright MLS

Property Type

Residential

Lot/Acreage
0.36

HOA Fee

174 Monthly

Year Built

1989

County

Stafford

Neighborhood

Aquia Harbour

School District

Stafford County Public Schools

Listing ID

VAST2054634

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Built-In Microwave, Built-In Range, Dishwasher, Disposal, Dryer, Oven - Wall, Refrigerator, Stove, Washer, Water Heater
Air Cond:Central A/C,Ceiling Fan(s)
Fireplaces:Brick,Fireplace - Glass Doors,Mantel(s),1 Fireplace
Floor:Carpet,Hardwood,Solid Hardwood,Tile/Brick
Above Ground Sq Ft:2708
Other:
  • ▪ Additional:Attic, Bathroom - Soaking Tub, Bathroom - Stall Shower, Breakfast Area, Built-Ins, Carpet, Ceiling Fan(s), Crown Moldings, Dining Area, Floor Plan - Traditional, Kitchen - Gourmet, Pantry, Primary Bath(s), Recessed Lighting, Upgraded Countertops, Walk-in Closet(s), Wood Floors
Water:Public

Exterior Features

Lot:Backs to Trees,Cleared,Front Yard,Landscaping,Level,SideYard(s),Not New Construction,Horse Property: No
Garage Capacity:5
Zoning:R1
Roof:Architectural Shingle
Others:
  • ▪ Additional:Awning(s), Chimney Cap(s), Extensive Hardscape, Exterior Lighting, Flood Lights, Outbuilding(s), Baseball Field, Basketball Courts, Beach, Boat Dock/Slip, Boat Ramp, Club House, Common Grounds, Community Center, Fitness Center, Game Room, Gated Community, Golf Course, Jog/Walk Path, Lake, Marina/Marina Club, Party Room, Picnic Area, Pier/Dock, Pool - Outdoor, Recreational Center, Security, Swimming Pool, Tennis Courts, Water/Lake Privileges, Common Area Maintenance, Management, Pier/Dock Maintenance, Pool(s), Recreation Facility, Security Gate
Sewer:Public Sewer
Parking Features:Asphalt Driveway,Private,Additional Storage Area,Garage - Front Entry,Garage Door Opener,Inside Access,Attached Garage,Driveway,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$2,698
Taxes
$459
HOA
$174

Home Price

$515,000

Loan Details

30 yrs
6.844%

Down Payment

20%
$103,000
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:
$2,698.02

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,698.02 $458.50 $174.00 $3,330.52
Yearly $32,376.22 $5,502.00 $2,088.00 $39,966.22
Total $971,286.52 $165,060.00 $62,640.00 $1,198,986.52
Lender profile image
Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Stafford, 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

© 2026 Bright MLS