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62 Charter Gate Dr, Fredericksburg, VA, 22406

5beds
4baths
3,124sqft
$609,999
$195price/sqft
$4,014/moest. monthly cost
$160,560/yrincome needed

About This Home

Over 3,100 finished square feet on three beautifully finished levels with a walkout basement! Welcome home to this stunning 5-bedroom, 3.5-bath Colonial nestled in the highly desirable, amenity-rich community of Stafford Lakes. From the moment you arrive, you'll be captivated by the exceptional curb appeal featuring an elegant stone façade and a charming covered front porch. Step inside to discover gleaming hardwood floors that flow throughout much of the main level, creating a warm and inviting atmosphere. Designed for both everyday living and effortless entertaining, the gourmet kitchen is truly the heart of the home. It showcases gorgeous granite countertops, an oversized center island with breakfast bar, double wall ovens, a gas cooktop, 42-inch upgraded cabinetry, recessed lighting, and abundant prep and storage space. The kitchen opens seamlessly to the spacious dining area and the light-filled family room, creating the perfect gathering space for family and friends. Step outside to the freshly stained rear deck, ideal for grilling, relaxing, or hosting outdoor get-togethers, all overlooking the expansive, fully fenced, level backyard—perfect for recreation, pets, or gardening. Upstairs, you'll find four generously sized bedrooms, including an impressive owner's suite featuring a large walk-in closet and a luxurious spa-inspired bath complete with ceramic tile flooring, dual vanities, a soaking tub, and a separate tiled shower. The finished walkout lower level offers outstanding flexibility with a spacious recreation room, recessed lighting, a fifth bedroom, and a full bath—ideal for guests, multigenerational living, a home office, or fitness space—with direct access to the backyard. This exceptional home combines modern design, generous living space, and an unbeatable location. Residents of Stafford Lakes enjoy outstanding community amenities while being conveniently located near shopping, dining, commuter routes, I-95 (approximately 5 miles), and Historic Downtown Fredericksburg (approximately 8 miles). This is the one you've been waiting for—schedule your private tour today before it's gone! Offers will be presented as received. Please submit your client's highest and best offer.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

4/10
6/10
5/10

Construction

Condition

  • Year built: 2012

Materials

  • Foundation: Permanent
  • Construction materials: Stone,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Microwave,Cooktop,Dishwasher,Disposal,Dryer,Ice Maker,Double Oven,Refrigerator,Stainless Steel Appliance(s),Washer,Water Heater,Gas Water Heater
  • Laundry features: Upper Level

Basement

  • Area: 796

Basement

  • Has basement: Yes
  • Basement: Finished,Rear Entrance

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Soaking Tub,Bathroom - Stall Shower,Ceiling Fan(s),Kitchen - Gourmet,Kitchen Island,Kitchen - Table Space,Pantry,Recessed Lighting,Walk-In Closet(s)
  • Window features: Window Treatments
  • Flooring: Carpet,Wood
  • Finished area below ground: 796
  • Finished area above ground: 2,328

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 3,124
  • Total interior livable area: 3,124 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 44R 12B 896
  • Zoning: R1
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: Community
  • Patio & porch: Deck,Porch
  • Exterior features: Lighting
  • Fencing: Back Yard

Lot

  • Lot size: 10,450 sqft
  • Features: Landscaped,Rear Yard

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Asphalt,Driveway,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Strong Wind
Hail
Hurricane
Heat Wave
Inland Flooding
Tornado
Winter Weather
Tsunami

FEMA Declared Disasters Across Virginia Counties

Severe Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,084$37,008
Home Insurance *$165$1,980
Property Taxes $465$5,580
Electricity $300$3,610
Total$4,014$48,168
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$137,622/yr
40% on housing$120,420/yr
45% on housing$107,040/yr

Virginia FAIR Plan Programs

Virginia Property Insurance Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 22,622Commercial: 503
Total Premiums$20.86M
Total Exposure$4.29B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.5%
9.5%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$195This listing

vs Other Active Listings

Avg $/sqft

ZIP 22406$223
Stafford County$226

vs Homes Sold Last Month

Median $/sqft

ZIP 22406$204
Stafford County$215

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-01Price change$609,999
2026-07-13Listed for sale$620,000
2022-08-22Sold$535,000
2022-07-21Contingent$535,000
2022-07-06Listed for sale$535,000
2019-11-19Sold$390,000
2019-10-15Pending sale$400,000
2019-10-05Listed for sale$400,000
2013-03-19Sold$337,010

For Sale by Agent

AgentFifi Bondzi
BrokerageProplocate Realty, LLC

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