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Under contract
    • Price cut: $16K (7/17)
    $649,000

    89 Charter Gate Dr, Fredericksburg, VA 22406

    5beds
    3,658sqft
    : 
    $4,104/mo
    Get pre-qualified
    Single Family Residence
    Built in 2015
    0.92 Acres Lot
    $-- Zestimate®
    $177/sqft
    $79/mo HOA

    What's special

    Waterfront settingModern light fixtureConvenient mudroomScenic viewsFully finished walkout basementLight-filled morning roomSpacious open floor plan
    Welcome to 89 Charter Gate Drive, where one of the best lots in Stafford Lakes awaits! Situated on 0.92 acres at the end of a quiet cul-de-sac, this beautiful home backs to the water, offering privacy, scenic views, and a setting that is rarely available in the neighborhood. Inside, you'll find a spacious, open floor plan where the kitchen is the centerpiece of the home, featuring a stunning 9-foot granite island, double ovens, a gas cooktop, abundant cabinetry, and plenty of workspace. Just off the kitchen, the light-filled morning room showcases coffered ceilings, custom wainscoting, decorative beams, a modern light fixture, and peaceful water views. The main level also includes a spacious family room, separate living room, and a convenient mudroom. Upstairs, you'll find four generously sized bedrooms, including a spacious primary suite with a beautifully appointed bathroom and walk-in closet. Each additional bedroom offers ample closet space and room to grow. The fully finished walkout basement significantly expands the home's living space with a large recreation room, a fifth bedroom, and a full bathroom, making it ideal for guests, multigenerational living, or a private home office. Recent updates include a new roof and new gutter system. Outside, the backyard is truly the highlight of this home. Enjoy nearly an acre of beautifully maintained lawn with an in-ground sprinkler system, a stamped concrete patio with a built-in fire pit and seating. The waterfront setting and cul-de-sac location create a private outdoor space that's perfect for relaxing or entertaining. Stafford Lakes offers outstanding community amenities, including a pool, playgrounds, walking trails, and more, all in a convenient Stafford location close to shopping, dining, commuter routes, and schools. This is a rare opportunity to own one of the premier lots in Stafford Lakes—don't miss it!
    34 days
    |
    1,634
    |
    85
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Jen Cook 540-907-3415,

    Berkshire Hathaway HomeServices PenFed Realty 5403717653

    Source: Bright MLS,MLS#: VAST2051374MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 5
      • Bathrooms: 4
      • Full bathrooms: 3
      • 1/2 bathrooms: 1
      • Main level bathrooms: 1
      Basement
      • Description: Percent Finished: 0.0
      • Area: 1126
      Heating
      • Zoned, Natural Gas, Electric
      Cooling
      • Ceiling Fan(s), Central Air, Electric
      Appliances
      • Included: Microwave, Washer, Dryer, Cooktop, Dishwasher, Disposal, Refrigerator, Ice Maker, Oven, Electric Water Heater, Gas Water Heater
      • Laundry: Upper Level
      Features
      • Bar, Chair Railings, Combination Dining/Living, Combination Kitchen/Living, Crown Molding, Dining Area, Exposed Beams, Family Room Off Kitchen, Open Floorplan, Eat-in Kitchen, Kitchen - Gourmet, Kitchen Island, Kitchen - Table Space, Pantry, Upgraded Countertops, Wainscotting, Walk-In Closet(s), Ceiling Fan(s), Recessed Lighting, 9'+ Ceilings, Beamed Ceilings, Tray Ceiling(s)
      • Flooring: Carpet
      • Windows: Double Pane Windows, Screens, Window Treatments
      • Basement: Full
      • Has fireplace: No
      Interior area
      • Total structure area: 3,658
      • Total interior livable area: 3,658 sqft
      • Finished area above ground: 2,532
      • Finished area below ground: 1,126
      Video & virtual tour

      Property

      Parking
      • Total spaces: 2
      • Parking features: Garage Door Opener, Garage Faces Front, Built In, Attached
      • Attached garage spaces: 2
      Accessibility
      • Accessibility features: None
      Features
      • Levels: Three
      • Stories: 3
      • Patio & porch: Patio
      • Exterior features: Extensive Hardscape, Lighting, Lawn Sprinkler, Play Area, Play Equipment, Sidewalks
      • Pool features: Community
      • Has view: Yes
      • View description: Lake, Garden
      • Has water view: Yes
      • Water view: Lake
      • Waterfront features: Lake
      • Body of water: Rocky Pen Reservoir
      Lot
      • Size: 0.92 Acres
      • Features: Backs - Parkland, Backs to Trees, Cleared, Cul-De-Sac, Front Yard, Landscaped, Level, Wooded, Private, Rear Yard, SideYard(s)
      Details
      • Additional structures: Above Grade, Below Grade, Outbuilding
      • Parcel number: 44R 12B 876
      • Zoning: R1
      • Zoning description: SUBURBAN RESIDENTIAL
      • Special conditions: Standard

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Traditional,Colonial
      • Property subtype: Single Family Residence
      Materials
      • Brick Veneer, Vinyl Siding
      • Foundation: Block
      • Roof: Architectural Shingle
      Condition
      • New construction: No
      • Year built: 2015

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public

      Community & HOA

      Community
      • Security: Smoke Detector(s), Fire Sprinkler System
      • Subdivision: Stafford Lakes Village
      HOA
      • Has HOA: Yes
      • Amenities included: Pool, Tot Lots/Playground, Basketball Court, Common Grounds, Jogging Path, Soccer Field
      • Services included: Pool(s)
      • HOA fee: $238 quarterly
      • HOA name: STAFFORD LAKES
      Location
      • Region: Fredericksburg

      Financial & listing details

      • Price per square foot: $177/sqft
      • Tax assessed value: $463,900
      • Annual tax amount: $4,345
      • Date on market: 6/26/2026
      • Listing agreement: Exclusive Right To Sell
      • Listing terms: Cash,Contract,Conventional,FHA,VA Loan
      • Inclusions: Ring Doorbell
      • Ownership: Fee Simple

        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        DateEventPrice
        7/29/2026Contingent$649,000$177/sqft
        Source: Bright MLS #VAST2051374 Report a problem
        7/17/2026Price change$649,000-2.4%$177/sqft
        Source: Bright MLS #VAST2051374 Report a problem
        6/26/2026Listed for sale$665,000+38.5%$182/sqft
        Source: Bright MLS #VAST2051374 Report a problem
        6/24/2026Listing removed$3,800$1/sqft
        Source: Zillow Rentals Report a problem
        6/14/2026Listed for rent$3,800$1/sqft
        Source: Zillow Rentals Report a problem
        5/13/2026Listing removed$3,800$1/sqft
        Source: Zillow Rentals Report a problem
        5/5/2026Listed for rent$3,800+15.2%$1/sqft
        Source: Zillow Rentals Report a problem
        10/28/2022Listing removed--
        Source: Zillow Rental Manager Report a problem
        9/22/2022Price change$3,300-5.7%$1/sqft
        Source: Zillow Rental Manager Report a problem
        9/18/2022Listed for rent$3,500$1/sqft
        Source: Zillow Rental Manager Report a problem
        1/2/2021Listing removed$480,000$131/sqft
        Source: Nest Realty Fredericksburg #VAST227756 Report a problem
        12/16/2020Pending sale$480,000$131/sqft
        Source: Nest Realty Fredericksburg #VAST227756 Report a problem
        12/11/2020Listed for sale$480,000+25.1%$131/sqft
        Source: Nest Realty Fredericksburg #VAST227756 Report a problem
        9/29/2015Sold$383,739$105/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$4,285 +3.4%$463,900
        2024$4,145 +10.5%$463,900 +11%
        2023$3,752 +5.6%$418,000
        2022$3,553 +8.7%$418,000 +24%
        2021$3,270 $337,100
        2020$3,270 +0.9%$337,100 +5%
        2019$3,241 +2%$320,900
        2018$3,177 +4.2%$320,900 +4.2%
        2017$3,050 $308,100 +0.6%
        2016$3,050 $306,300 +240.3%
        2015-- $90,000
        2014-- $90,000 +12.5%
        2013-- $80,000
        2012-- --
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 22406

        Getting around

        2 / 100
        Car-Dependent
        1 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • District: Stafford County Public Schools

        Source: Bright MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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