12616 Trench Hill Ln, Fredericksburg, VA 22407

Property Description

THE LAST HOME YOU WILL EVER WANT TO BUY! Planning retirement, LOVE FREE GOLF in your backyard? Do You absolutely Refuse to have an HOA? Are You a Historical Buff, love historical sites and must have history right outside your door? Well then its time to Make your last stand here! 2026 Fully Renovated, 6,376 Total Square Foot, 3 CAR GARAGE, NO-HOA custom built home like a fortress! Side by side to a Top 100 in the World Ranked legendary Cannon Ridge Golf Course! Which is also Ranked #2 in the whole entire state of Virginia! NO HOA. FREE GOLF, No monthly or annual dues, no special assessments, no architectural review board, and no HOA violation letters ever. No HOA resale packet when you buy or sell. Park your big beautiful boat, RV, or trailer on your massive driveway. CANNON RIDGE Disc FREE GOLF, DIRECTLY NEXT DOOR. 6309 Cannon Ridge Court, is your next door neighbor. U-Disc 2026 World's Best ranks it #2) in Virginia, #56) in the Whole entire United States, and #83) in the World, rated 4.7 from more than 1,700 player ratings. Championship 18 holes: a wooded, technical front nine with elevation, open holes on the back, and a pond in play. Players check in with the course owner before a round. SERIOUS MAJOR HISTORY IN THE BACK YARD. Interpretive signs on the course mark 1863 Confederate earthworks and a wartime ice-house pit, on a street named Trench Hill Lane. Fredericksburg, Chancellorsville, Salem Church on Route 3, the Wilderness, and Spotsylvania Court House are the battlefields around this address, part of Fredericksburg and Spotsylvania National Military Park. LOCATION. Seconds from Route 3 corridor, close to every single kind of shopping and dining you could ever want or need. Only minutes away from I-95 north toward Northern Virginia and Washington, D.C., or south toward Richmond. VRE commuter rail on the Fredericksburg Line. Historic downtown Fredericksburg and the Epic Rappahannock River for the weekends. DO YOU WANT A ROCK SOLID CUSTOM BUILT HOME? Fully renovated in 2026 by a Pro Class-A licensed general contractor. REALTORS: please download the unbranded Cannon Ridge disc golf next door neighbor property marketing package from the MLS documents. No easement, membership, or deeded right is included. Rankings are 2026 UDisc figures and can change. ATTENTION REALTORS and BUYERS: The Seller is offering a TWO YEAR HOME WARRANTY and also 2-1 Temporary Buydown for qualified buyers. A 2-1 buydown temporarily reduces the mortgage note rate by a FULL 2% during the first year and than an ADDITIONAL FULL 1% during the second year, with payments returning to the full mortgage note rate % beginning in year number three. Buyer must qualify at the note rate. Payment savings will vary based on loan amount, rate, down payment, and borrower qualifications. Loan Scenario - 2/1 Buydown Loan Amount: $774,000 Base Note Rate: 6.49% (fixed after Year 2) Loan Term: 30 years Buydown Type: 2-1 Temporary Buydown (Seller-Paid) Monthly Escrows Taxes: $428 Insurance: $125 HOA: $0 Total Escrows: $553 / month (this amount could change each year, depending on your tax and insurance) Interest Rate & Payment Breakdown Year 1 Interest Rate: 4.49% Principal & Interest: $3,917.15 Total Monthly Payment (PITI): $4,470.15 Year 2 Interest Rate: 5.49% Principal & Interest: $4,389.83 Total Monthly Payment (PITI): $4,942.83 Year 3 and Beyond Interest Rate: 6.49% Principal & Interest: $4,887.12 Total Monthly Payment (PITI): $5,440.12 Seller-Paid Buydown Cost (Required) The seller must prepay the difference between the reduced payments and the full note-rate payment. Buydown Cost Calculation Year 1 Subsidy: $11,639.65 Year 2 Subsidy: $5,967.43 Total Seller-Paid Buydown Cost: $17,607.08 (This is paid at closing and is not financed. This amount is held in escrow, if you refinance the remaining balance is applied to pay off if you refinance within 3 years)