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64 Macgregor Ridge Rd, Stafford, VA, 22554

4beds
5baths
4,158sqft
$729,900
$176price/sqft
$4,845/moest. monthly cost
$193,800/yrincome needed

About This Home

This loved and well maintained home is nestled in the charming Aquia Creek subdivision with 2 public water accesses close by. The colonial-style home has only been owned by 1 family and offers a perfect blend of comfort and elegance with NO HOA! So bring your boat, RV and all your toys! Built in 2011, this residence boasts over 4,000 finished sq. ft. of thoughtfully designed living space, Although the septic is rated for a 3 bedroom double occupancy = 6 full time occupants, the home bosts 6 functional bedroom and 4.5 bathrooms, ensuring ample room for you and all your guest to relax in privacy. Step inside to discover a warm and inviting interior, highlighted by a cozy family room that flows seamlessly into the kitchen, perfect for gatherings. The kitchen is equipped with modern appliances, including a wall oven, cooktop, making meal prep a delight. Enjoy your morning coffee on the deck or host formal dinners in the separate dining room adorned with chair railings. Retreat to the luxurious primary suite, complete with a soaking tub. The fully finished basement has a kitchenette with a full size fridge and provides additional living space, ideal for a home theater or play area. Outside, the property sits on a generous 1.01-acre corner lot, surrounded by serene trees and woods, creating a peaceful oasis. The deck invites you to unwind and enjoy the natural beauty of your surroundings. The side-entry attached garage with its storage/shelving system and a well-maintained gutter system offer convenience and functionality are at your fingertips. This home is not just a place to live; it’s a sanctuary where cherished memories are made. Experience the perfect blend of comfort, style, and nature in this delightful residence. Owner has thoughtfully had the interior fully painted, new carpet through out, new LVP flooring in basement, deck refreshed, hardwood floor refreshed, septic system pumped and serviced , well inspected/serviced, water softener system maintained/serviced, house pressured washed and much more. Lastly, for the buyers convience, seller has had the house professionally cleaned. Please ask your agent to look in the document section for receipts. ** This home's septic is rated for 3 bedrooms with double occupancy = 6 adults living full time at the home. HOWEVER the house has 6 rooms that can function as bedrooms. 4 upstairs and 2 in the basement to accomadate all your guests and family needs**

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

5/10
3/10
Stafford Middle SchoolGrades 6-81.8 mi
5/10
Brooke Point High SchoolGrades 9-121.9 mi

Construction

Condition

  • Year built: 2011

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Vinyl Siding,Stone

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Oven,Refrigerator,Water Conditioner - Owned,Water Heater,Washer,Dryer,Water Treat System,Electric Water Heater
  • Laundry features: Upper Level

Basement

  • Area: 1282

Basement

  • Has basement: Yes
  • Basement: Finished,Partial

Bedrooms & Bathrooms

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

Features

  • Soaking Tub,Bathroom - Walk-In Shower,Breakfast Area,Ceiling Fan(s),Chair Railings,Family Room Off Kitchen,Floor Plan - Traditional,Formal/Separate Dining Room,Kitchenette,Pantry
  • Flooring: Carpet
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 1,170
  • Finished area above ground: 2,988

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Heat Pump,Electric

Interior Area

  • Total structure area: 4,270
  • Total interior livable area: 4,158 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 30SS 1
  • Zoning: A2
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Patio & porch: Deck
  • Exterior features: Rain Gutters
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 1.01 Acres
  • Features: Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Side,Attached,Other
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Strong Wind
Hail
Heat Wave
Inland Flooding
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 $3,690$44,280
Home Insurance *$198$2,376
Property Taxes $557$6,684
Electricity $400$4,806
Total$4,845$58,140
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$166,114/yr
40% on housing$145,350/yr
45% on housing$129,200/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

$176This listing

vs Other Active Listings

Avg $/sqft

ZIP 22554$218
Stafford County$226

vs Homes Sold Last Month

Median $/sqft

ZIP 22554$210
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
2026-04-17Listed for sale$747,000
2021-12-20Sold$600,000
2011-07-22Sold$428,925

For Sale by Agent

AgentDawna Lambrecht
BrokerageCentury 21 Redwood Realty

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