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sales rep | Brivity IDX

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201 Bay Cove , Stafford, VA 22554
$539,900
Est. Payment: $2,828.47/mo
5 Bed
4 Bath
3520 Sqft
0.58 Acres
Status: active under contract | Days on site: 12
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SAMP5 - 3007234
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House Description

Beautifully maintained Dutch Colonial in the gated community of Aquia Harbour featuring a rare floor plan with all 5 bedrooms on the upper level, 3.5 baths, and ample driveway parking. Fresh interior paint and updated flooring (2021) enhance the main level, along with formal living and dining rooms and convenient main-level laundry. Spacious primary suite with walk-in closet. Seller is offering closing cost towards interest rate buy down program or buyer's choice of use with the right offer. It has another full bath in the basement. Finished walkout basement offers a large recreation room, kitchenette, and backyard access—ideal for entertaining or multi-generational living (freshly painted May 2026). This home is ready for a new owner. Major updates include new roof (2026), siding (2026), deck (2024), electrical (2022), water heater (2021), and garage door with openers (2026). Situated on a private 0.58-acre lot backing to the golf course with mature trees and scenic views. Enjoy outdoor living on the Trex deck and frequent wildlife sightings. Aquia Harbour amenities include 24-hour gated security, pools, marina, golf course, clubhouse, parks, trails, and more. Active community with year-round events.

Highlights

Listed by Jordana Adams , 7037256179 Samson Properties , 5719219755. Bright MLS

Property Type

Residential

Lot/Acreage
0.58

HOA Fee

174 Monthly

Year Built

1978

County

Stafford

Neighborhood

Aquia Harbour

School District

Stafford County Public Schools

Listing ID

VAST2055042

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Oven/Range - Electric, Refrigerator, Stove, Washer, Dryer
Air Cond:Central A/C
Fireplaces:Wood,Non-Functioning,1 Fireplace
Floor:Luxury Vinyl Plank
Above Ground Sq Ft:2376
Below Ground Sq Ft:1144
Basement:Full,Fully Finished,Walkout Level
Other:
  • ▪ Additional:Breakfast Area, Dining Area, Family Room Off Kitchen, Kitchen - Table Space, Primary Bath(s), Window Treatments, Kitchen - Island, Floor Plan - Open, Floor Plan - Traditional, Kitchenette, No Pet Restrictions, Pets Allowed
Water:Public

Exterior Features

Lot:Trees/Wooded,Backs to Trees,Not New Construction,Horse Property: No
Garage Capacity:2
Zoning:R1
Roof:Architectural Shingle
Others:
  • ▪ Additional:Good, Bike Trail, Boat Dock/Slip, Community Center, Golf Course Membership Available, Horse Trails, Jog/Walk Path, Marina/Marina Club, Pier/Dock, Pool - Outdoor, Pool Mem Avail, Security, Tennis Courts, Tot Lots/Playground, Water/Lake Privileges, Common Area Maintenance, Management, Road Maintenance, Security Gate, Trash
Sewer:Public Sewer
Parking Features:Asphalt Driveway,Garage - Side Entry,Attached Garage,2+ Spaces,1+ Spaces
Principal Interest
$2,828
Taxes
$333
HOA
$174

Home Price

$539,900

Loan Details

30 yrs
6.844%

Down Payment

20%
$107,980
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:
$2,828.47

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,828.47 $333.33 $174.00 $3,335.80
Yearly $33,941.59 $4,000.00 $2,088.00 $40,029.59
Total $1,018,247.75 $120,000.00 $62,640.00 $1,200,887.75
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