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217 Mast Cove , Stafford, VA 22554
$574,900
Est. Payment: $3,011.83/mo
4 Bed
3 Bath
3535 Sqft
1.51 Acres
Status: pending | Days on site: 135
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BHHSS3 - 68047
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House Description

***FHA Assumable @ 2.49%; $422,000 Balance; $2,689 PITI; Freedom Mortgage***EXTENSIVE 2026 RENOVATIONS! This home has seen numerous recent updates, including a brand-NEW HVAC system, NEW carpeting, refinished hardwood floors, fresh interior paint, UPDATED bathroom hardware, and modern lighting throughout. With these improvements and more, this home is ready for its next owners to move in and enjoy! Prepped & Move-In Ready 4BR, 2.5BA Colonial on a quiet cul-de-sac lot backing to open space in amenity-filled Aquia Harbour! A welcoming foyer with hardwood flooring, crown molding, chair rail, & insulated entry door with sidelights opens to the main level office through French doors, while the formal living & dining rooms feature hardwood flooring, updated lighting, crown molding, & chair rail details. The kitchen offers granite countertops, 12x24 ceramic tile flooring, ceramic subway tile backsplash, recessed & task lighting, brick hearth cooking station with flat surface cooktop, & stainless steel appliances including double wall oven, Energy Star dishwasher, microwave, & French door refrigerator with ice maker & door dispenser. The breakfast room with bay window opens to the family room featuring newly refinished hardwood floors, wood-burning fireplace with wood stove insert, brick hearth & surround, wood mantle, & access to the rear deck. An updated powder room completes the main level. Upstairs, the refinished oak staircase leads to hardwood flooring throughout the hallway, updated lighting, skylight, & linen closet. The primary suite features brand new carpet, dramatic vaulted ceiling with three skylights, French door entry, dressing area, two walk-in closets, linen closet, & attached bath with dual sink vanity, soaking tub, step-in shower, & updated fixtures. Three additional bedrooms with new carpet & a hall bath with ceramic tile flooring and the laundry room complete the upper level. The finished basement includes new LVP flooring, recessed lighting, large rec room with atrium door to the backyard, office area with sliding barn door enclosure, storage closet/future wine cellar, & additional storage space. Outside, enjoy the freshly cleaned & sealed deck, covered front porch with ceiling fans, concrete driveway with parking for 6+ vehicles, additional parking pad, & oversized two-car garage with cabinetry, shelving, pegboard storage, insulated doors, & extra outlets throughout. MAJOR SYSTEM UPGRADES! Enjoy peace of mind with a brand-new HVAC system (2026), professionally cleaned ductwork, and a transferable three-year HVAC service agreement. The roof and skylights were replaced in 2024, and the water heater was replaced in 2020. Conveniently located just 3 blocks from the golf course, putting green, driving range/sledding hill, country club restaurant, & one of two community pools. The abundant Aquia Harbour amenities include a 24-hour manned front gate and residents-only rear gate, two pools, state-certified police force, fire department, marina with boat ramp and fishing pier, kayak and canoe launches, golf course with pro shop, putting green, driving range, and the clubhouse restaurant, dog park, horse stables with riding areas and trails, secure storage lot, community garden, preschool, fishing park, and multiple additional parks with tot lots, tennis, and basketball courts. The community is surrounded by natural beauty with wildlife including deer, fox, bald eagles, and blue heron, and hosts events throughout the year such as Independence Day celebrations with parade and fireworks, Oktoberfest, outdoor movies, and more.

Highlights

Listed by Michael V. Unruh , 7035939430 Berkshire Hathaway HomeServices PenFed Realty , 5407359176. Bright MLS

Property Type

Residential

Lot/Acreage
1.51

HOA Fee

174 Monthly

Year Built

1987

County

Stafford

Neighborhood

Aquia Harbour

School District

Stafford County Public Schools

Listing ID

VAST2049550

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Cooktop, Water Heater, Stainless Steel Appliances, Refrigerator, Oven - Wall, Oven - Double, Microwave, Water Dispenser, Icemaker, ENERGY STAR Dishwasher
Air Cond:Ceiling Fan(s),Central A/C,Heat Pump(s)
Fireplaces:Brick,Mantel(s),Insert,Wood,1 Fireplace
Floor:Ceramic Tile,Hardwood,Luxury Vinyl Plank,Carpet
Above Ground Sq Ft:2500
Below Ground Sq Ft:1035
Basement:Connecting Stairway,Daylight,Partial,Fully Finished,Heated,Interior Access,Outside Entrance,Space For Rooms,Walkout Level,Windows
Other:
  • ▪ Additional:Attic, Bathroom - Tub Shower, Breakfast Area, Built-Ins, Carpet, Ceiling Fan(s), Chair Railings, Crown Moldings, Dining Area, Family Room Off Kitchen, Formal/Separate Dining Room, Kitchen - Eat-In, Primary Bath(s), Recessed Lighting, Skylight(s), Store/Office, Stove - Wood, Upgraded Countertops, Walk-in Closet(s), Wood Floors
Water:None

Exterior Features

Lot:Backs to Trees,Cul-de-sac,Front Yard,No Thru Street,Partly Wooded,Rear Yard,SideYard(s),Trees/Wooded,Not New Construction,Horse Property: Yes
Garage Capacity:9
Zoning:R1
Others:
  • ▪ Additional:Gutter System, Exterior Lighting, Good, Bar/Lounge, Baseball Field, Basketball Courts, Bike Trail, Boat Dock/Slip, Boat Ramp, Club House, Common Grounds, Day Care, Dining Rooms, Dog Park, Extra Storage, Fencing, Gated Community, Golf Club, Golf Course, Golf Course Membership Available, Horse Trails, Jog/Walk Path, Marina/Marina Club, Meeting Room, Mooring Area, Non-Lake Recreational Area, Party Room, Pickleball Courts, Picnic Area, Pier/Dock, Pool - Outdoor, Pool Mem Avail, Putting Green, Riding/Stables, Security, Shared Slip, Soccer Field, Swimming Pool, Tennis Courts, Tot Lots/Playground, Volleyball Courts, Water/Lake Privileges, Common Area Maintenance, Management, Pier/Dock Maintenance, Pool(s), Reserve Funds, Road Maintenance, Security Gate, Snow Removal, Trash
Sewer:Public Sewer
Parking Features:Concrete Driveway,Private,Secure Parking,Built In,Additional Storage Area,Covered Parking,Garage - Front Entry,Inside Access,Attached Garage,Driveway,Off Street,4+ Spaces,3+ Spaces,2+ Spaces,1+ Spaces
Principal Interest
$3,012
Taxes
$330
HOA
$174

Home Price

$574,900

Loan Details

30 yrs
6.844%

Down Payment

20%
$114,980
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:
$3,011.83

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,011.83 $329.75 $174.00 $3,515.58
Yearly $36,141.92 $3,957.00 $2,088.00 $42,186.92
Total $1,084,257.52 $118,710.00 $62,640.00 $1,265,607.52
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: 2026-11-14T09:11:29.000Z

© 2026 Bright MLS