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54 Richards Ferry Rd, Fredericksburg, VA, 22406

4beds
5baths
2,988sqft
$585,000
$196price/sqft
$4,058/moest. monthly cost
$162,320/yrincome needed

About This Home

Stunning All-Brick Estate on 2 Private Acres – No HOA! Experience the perfect blend of timeless elegance and peaceful country living in this impeccably maintained 4-bedroom, 4.5-bath all-brick estate, ideally situated on a level, private 2-acre lot in a prime Stafford location. From the moment you arrive, the circular driveway and stately brick exterior set the tone for what’s inside. Gleaming hardwood floors and abundant natural light welcome you upstairs. The stunning living room features a charming bay window with built-in bench seating — the perfect place to relax and take in views of your expansive property. French doors open seamlessly into the formal dining room, creating an effortless flow for entertaining. Step out onto the balcony to enjoy your morning coffee or unwind on warm summer evenings while watching wildlife across your private acreage. The spacious kitchen offers generous counter space and ample cabinetry, giving you flexibility for casual dining with a kitchen table or hosting in the formal dining room — the choice is yours. Upstairs, you’ll find three generously sized bedrooms and three full bathrooms, including two bedrooms with private en-suite baths. The third bedroom is served by a full hallway bath, offering both comfort and privacy for family or guests. The finished walk-out basement is a true showstopper, highlighted by a dramatic full-wall brick fireplace hearth that anchors the inviting family room. Whether you’re cozying up by the fire, hosting movie nights, or entertaining friends, this space delivers warmth and versatility. Currently arranged with a bar area, the additional recreation space is perfect for a pool table, home gym, crafting corner, or media room. Double doors lead to the expansive deck — ideal for outdoor lounging and gatherings. The lower level also features a private primary suite retreat with dual closets and a spacious en-suite bath complete with a jetted soaking tub — your personal escape at the end of the day. A large laundry room includes not only a utility sink but also a dedicated dog-washing station — a rare and practical bonus! This is no ordinary 2-car garage. Designed with functionality in mind, it features: A center floor drain for indoor vehicle washing, a convenient half bath, a large ventilation hood system ideal for woodworking or auto projects. Whether you’re a car enthusiast, hobbyist, or simply love a well-equipped workspace, this garage delivers. Step outside to enjoy your beautifully manicured, fenced backyard oasis. Host gatherings on the upper deck or relax on the lower patio while soaking in the privacy of your two acres. Recent updates provide added peace of mind, including new water softener system 2025, Well pump 2025, Chimney sweep & seal, Fireplaces cleaned 2025, Roof & Gutters 2021, Updated basement carpeting. Complete with a side-load 2-car garage and no HOA restrictions, this exceptional property offers the ideal balance of space, privacy, and convenience. Whether you’re seeking multi-generational living, a private guest suite, or simply room to breathe — this home truly has it all.

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

8/10
5/10
7/10
Mountain View High SchoolGrades 9-125.8 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 1972

Materials

  • Foundation: Permanent
  • Construction materials: Brick,Stone

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Refrigerator,Cooktop,Electric Water Heater
  • Laundry features: Lower Level,Washer/Dryer Hookups Only

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Rear Entrance,Partial,Full,Finished,Walk-Out Access

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Primary Bath(s),Floor Plan - Traditional
  • Flooring: Hardwood
  • Number of fireplaces: 2
  • Fireplace features: Brick,Mantel(s),Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 1,494
  • Finished area above ground: 1,494

Foyer

  • Level: Main

Heating & Cooling

  • Heating features: Heat Pump,Oil
  • Cooling features: Ceiling Fan(s),Heat Pump,Electric

Interior Area

  • Total structure area: 2,988
  • Total interior livable area: 2,988 sqft

Kitchen

  • Level: Main

Primary Bedroom

  • Level: Lower

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 35 8A
  • Zoning: A2
  • Special condition: Standard

Features

  • Levels: Multi/Split,Two
  • Stories: 2
  • Pool features: None
  • Exterior features: Rain Gutters
  • Fencing: Wood,Back Yard
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 2 Acres
  • Features: Backs to Trees,Private,Wooded

Parking

  • Total spaces: 6
  • Parking features: Garage Door Opener,Circular Driveway,Driveway,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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

  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
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 $2,958$35,496
Home Insurance *$158$1,896
Property Taxes $655$7,860
Electricity $287$3,453
Total$4,058$48,696
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$139,131/yr
40% on housing$121,740/yr
45% on housing$108,213/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

$196This 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)

No zestimate history available

Price History

DateEventPrice
2026-03-26Price change$627,900
2026-02-21Listed for sale$639,900
2012-12-17Sold$307,770
2012-10-24Price change$319,900
2012-10-23Price change$319,000
2012-09-19Price change$335,000
2012-08-29Listed for sale$349,000

For Sale by Agent

AgentDagmar Maticic, Belcher Real Estate, LLC.
BrokerageBelcher Real Estate, LLC.

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