102 Charles St, Fredericksburg, VA, 22405 | $633/mo Cash Flow

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Price: $300K - 500K

Monthly Cash Flow: 1 - 3k+

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102 Charles St, Fredericksburg, VA, 22405 | $633/mo Cash Flow | Ziffy

For Sale

Ziffy Mortgage

NMLS #2625701

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Ziffy AI Summary

A quick, investor-focused snapshot highlighting income strength, yield potential.

Key metrics	Value
Price	$399,900
Est. Rent	$3,200/mo
ROI	18%

Attractive rent-to-price ratio for income stability
Good fit for DSCR financing with healthy coverage

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Investment Highlights

Investment property for sale in Fredericksburg at 102 Charles St, Fredericksburg, VA, 22405 at $395,000 posts ROI 25.71% with $633/mo cash flow from $2,994/mo rent. Total monthly income equals $2,994/mo, and annual cash flow records $7,597/yr on $130,943 to close. Return on cash invested measures 25.71% and rental yield reads 9.1% at the current $395,000. Equity gained on principal adds $2,549/yr, and 5% annual appreciation supports $109,131 by year five. Five-year ROI prints 133.71% and total cumulative return in cash totals $175,086.
You can finance with Ziffy Mortgage’s DSCR loan, which relies on $2,994/mo property income rather than your personal income records (W2s, Paystubs, and Tax returns).

Townhouse

Built in 2002

1,799 sqft lot

$N/A/sqft

No HOA

More details about the property

Welcome to Charlestown Commons, where comfort, convenience, and thoughtful updates come together in this beautifully finished three-level townhome in sought-after South Stafford. From the moment you step inside, the home unfolds like a storyone chapter at a time. On the entry level, versatility shines. A private bedroom and full bath make the perfect space for guests, in-laws, or a quiet home office. A spacious rec room offers room to relax or entertain, while an additional flex room provides endless possibilitieshome gym, craft room, gaming space, you decide. This level also includes the laundry area and a convenient storage closet tucked under the stairs, along with direct walkout access to the fenced rear yard. Upstairs on the main level, natural light and modern style take center stage. The inviting living room features a sleek built-in electric fireplace, creating the perfect backdrop for cozy evenings. The kitchen opens beautifully to the living space with granite counters, stainless steel appliances, an island, breakfast bar, and updated cabinets. Luxury vinyl plank flooring, upgraded lighting, and thoughtful finishes make this level truly shine. The adjoining morning room, complete with a charming skylight, is the ideal spot for coffee or casual meals and walks right out to the deckgreat for grilling, relaxing, or entertaining. A stylish half bath completes this level. On the upper level, youll find three comfortable bedrooms, including a serene primary suite with a vaulted ceiling and its own attached full bath. This home has been lovingly maintained with meaningful upgrades, including a smart thermostat, HVAC replaced in 2020, a new attic fan, and numerous updated lighting fixtures throughout. Location truly seals the dealjust minutes to the VRE, commuter lots, I-95, Route 1, shopping, the hospital, and charming downtown Fredericksburg. An ideal choice for commuters headed to Quantico, Fort Belvoir, or the Pentagon. A wonderful blend of space, updates, and unbeatable conveniencethis Charlestown Commons home is ready for its next chapter. Will it be yours?

Neighborhood Data

Neighborhood data shown for ZIP Code: 22405, Fredericksburg, VA area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	13,368 (100%)
Owner Occupied HU	10,716 (80.2%)
Renter Occupied HU	2,184 (16.3%)
Vacant Housing Units	468 ( 3.5%)
Median Home Value	$471,593
Average Home Value	$518,175