20 Francis Ct, Stafford, VA, 22554
About This Home
ASSUMABLE 3% VA LOAN OPPORTUNITY in North Stafford Community with community pool! Concrete walkway to in-law suite from driveway with full kitchen and second laundry. This meticulously cared for upgraded Builder Home has added crown molding and shadow boxing everywhere you turn. 5-bedroom, 3.5-bath home in an unbeatable location. Quiet cul-de-sac setting, beautiful landscaping, and welcoming front porch. Updated kitchen with two tone cabinets, quartz countertops and backsplash, brand-new GE stainless steel appliances, built in pantry with pull out shelving and built in appliance lift in center island. Photos designed to show modern lifestyle. Access to rear deck off kitchen. Impressive family room boasts 10-foot ceilings and a stunning coffered ceiling and gas fireplace. Hardwoods throughout main level. Upstairs, you'll find hardwood floors throughout, a custom oversized laundry room complete with a dog washing station, wet sink, center folding island with pendant lighting and two built-in office spaces—ideal for working from home, homework stations, or creative projects. Don't miss the laundry chute to this exceptional area too! Fully renovated bathrooms with high-end finishes, 3 bidets and LED touch screen mirrors. Sing in the shower to your hearts content with speakers in all full baths. The fully finished walk-out basement offers incredible flexibility with its full second kitchen, full bath, and separate laundry, making it perfect for multigenerational living, extended guests, or entertaining. Step outside to enjoy the expansive rear deck overlooking a fully fenced backyard that backs to mature trees, offering privacy and a peaceful setting for relaxing or hosting family and friends. Additional highlights include recent roof, siding, and gutters with a transferable warranty, giving buyers added peace of mind for years to come. Conveniently located just minutes from shopping, restaurants, parks, recreation, and major commuter routes, this home truly offers the best of both worlds—a quiet neighborhood setting with easy access to everything you need. VA LOAN OPPORTUNITY! Take advantage of an assumable VA loan with a rate of only 3%! Buyer must meet VA assumption requirements.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Very Good
- Year built: 1993
Materials
- Foundation: Concrete Perimeter
- Roof: Architectural Shingle
- Construction materials: Vinyl Siding
Other
- Builder model: GORGEOUS
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Exhaust Fan,Ice Maker,Microwave,Oven/Range - Gas,Refrigerator,Cooktop,Washer,Gas Water Heater
- Laundry features: In Basement,Upper Level
Basement
- Area: 1160
Basement
- Has basement: Yes
- Basement: Full
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Features
- Breakfast Area,Chair Railings,Crown Molding,Dining Area,Family Room Off Kitchen,Open Floorplan,Kitchen - Gourmet,Kitchen Island,Primary Bath(s),9'+ Ceilings
- Window features: Double Pane Windows,Double Hung,Energy Efficient,ENERGY STAR Qualified Windows,Low Emissivity Windows,Screens,Window Treatments
- Flooring: Ceramic Tile,Hardwood
- Number of fireplaces: 1
- Fireplace features: Gas/Propane
- Fireplace: Yes
- Finished area below ground: 1,160
- Finished area above ground: 2,718
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Ceiling Fan(s),Central Air,Electric
Interior Area
- Total structure area: 3,878
- Total interior livable area: 3,878 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 29C1 53
- Zoning: PD1
- Special condition: Standard
Features
- Levels: Three
- Stories: 3
- Pool features: Community
- Patio & porch: Deck,Porch
- Exterior features: Bump-outs
- Fencing: Full,Back Yard,Privacy
Lot
- Lot size: 0.25 Acres
- Features: Backs to Trees,Cul-De-Sac
Parking
- Total spaces: 2
- Parking features: Garage Door Opener,Asphalt,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
- Inland Flooding
- Lightning
- Strong Wind
- Hail
- Hurricane
- Heat Wave
- Tornado
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across Virginia Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,893 | $46,716 |
| Home Insurance * | $209 | $2,508 |
| Property Taxes | $588 | $7,056 |
| Electricity | $373 | $4,482 |
| Total | $5,063 | $60,756 |
Income You'd Need if You Spent...
Virginia FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-07 | Listed for sale | $770,000 |
| 2008-06-23 | Sold | $416,000 |
| 2003-07-21 | Sold | $255,000 |
| 2002-04-25 | Sold | $75,500 |
| 2000-05-01 | Sold | $216,000 |
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