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41 Twin Creeks Ln, Fredericksburg, VA, 22405

5beds
5baths
5,220sqft
$714,900
$137price/sqft
$4,760/moest. monthly cost
$190,400/yrincome needed

About This Home

NO SHOWINGS ARE ALLOWED FOR THIS PROPERTY AFTER DARK OR WITHOUT THE BUYER(S) BEING ACCOMPANIED BY AN AGENT. PLEASE WATCH YOUR STEP. PLEASE CLOSE BUT DON'T MANUALLY LOCK THE ACTUAL GARAGE DOOR IT CAN BE LOCKED BY TURNING THE MANUAL LOCK. SELLERS WILL BE AWAY 6/20-6/30, RESPONSE TIMES MAY BE SLOWER FOR THIS PERIOD. The homeowner is a contractor. He has retained all plans for the house and permits. He and his family decided to move out of the area, but they loved this home. The new home they plan to build will be a copy of this property. It was built and designed with care. There is a huge opportunity for someone to restore this expansive luxury home. Our likely buyer is either a homeowner willing to put in a little work to have a luxury property for a substantial discount or an investor who sees the financial possibilities for a property this large in Stafford that can easily be subdivided. Unfortunately, the property is being sold because of a fire. All fire and smoke damage has been removed. The owners were grilling on their back deck when an ember slipped between the boards under the deck and caught a pile of dry leaves on fire. The owners were not harmed. They called the fire department, and the fire was put out but much of the back of the home near the kitchen and back of the roof were burned. The owners had the roof fully replaced and back of the home repaired but had to remove all smoke damaged drywall and flooring. The new owner will have 8 circuits that need replacing, some rewiring needed throughout, some plumbing is needed throughout the main and upper floors. The home is now partially finished with 3,800 square feet at the main house and 2,160 at the detached garage, all above grade. The basement adds another 1,588 square feet of below grade partially finished square feet. The lot is covered by The Woodlands Protection Act. This means that as long as 20 acres are kept in their natural state no taxes are due on 20 acres of the land. Recently, because of the fire, taxes have been reduced until the home is rebuilt. The tax bill for this year will be approximately $1,600, please call Stafford County to confirm. The 23.3-acre lot can be subdivided into two additional lots; this would leave the owner with 3 separate properties. Two homes could be built and sold on the divided land. The garage is gigantic. It could be kept as a partially finished workshop, storage area, and car shop. It is heated, cooled and has electricity. The other option is to completely finish it, giving the new owner extra living space or a huge guest house. If this is the property for you, welcome home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

4/10
Stafford Middle SchoolGrades 6-83.0 mi
5/10
Brooke Point High SchoolGrades 9-122.8 mi

Construction

Condition

  • Property condition: Fixer
  • Year built: 2004

Materials

  • Foundation: Permanent
  • Roof: Architectural Shingle
  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: In Basement

Basement

  • Area: 1588

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished

Bedrooms & Bathrooms

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

Features

  • Attic,Bathroom - Walk-In Shower,Bathroom - Tub Shower,Built-in Features,Walk-In Closet(s),High Ceilings
  • Window features: ENERGY STAR Qualified Windows
  • Flooring: Ceramic Tile,Hardwood
  • Finished area below ground: 1,588
  • Finished area above ground: 3,632

Heating & Cooling

  • Heating features: Forced Air,Heat Pump,Zoned,Electric,Natural Gas
  • Cooling features: Zoned,Heat Pump,Electric

Interior Area

  • Total structure area: 6,948
  • Total interior livable area: 5,220 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 47 38A
  • Zoning: A1
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None
  • Has view: Yes
  • View description: Creek/Stream,Garden,Trees/Woods
  • Has water view: Yes
  • Water view: Creek/Stream

Lot

  • Lot size: 23.33 Acres
  • Features: Backs to Trees,Landlocked,Wooded,Private,Rear Yard,Rural

Parking

  • Total spaces: 8
  • Parking features: Storage,Covered,Garage Faces Side,Oversized,Detached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes
  • Uncovered spaces: 5

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

  • Coastal Flooding
    Coastal FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Lightning
Strong Wind
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 $3,614$43,368
Home Insurance *$204$2,448
Property Taxes $440$5,280
Electricity $502$6,033
Total$4,760$57,120
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$163,200/yr
40% on housing$142,800/yr
45% on housing$126,933/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

$137This listing

vs Other Active Listings

Avg $/sqft

ZIP 22405$243
Stafford County$227

vs Homes Sold Last Month

Median $/sqft

ZIP 22405$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
2026-08-06Price change$699,999
2026-05-27Listed for sale$714,900
2001-04-01Sold$90,000

For Sale by Agent

AgentKevin Breen
BrokerageColdwell Banker Elite

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