64 Panners Ln, Fredericksburg, VA 22406

A rare opportunity to own a five-bedroom, two-and-a-half-bath home on over 10 acres with an assumable VA loan at just 3% interest—a serious advantage in today’s market. Four bedrooms sit on the main level, with a fifth bedroom and massive rec space downstairs offering room to grow, spread out, or host long-term guests. The kitchen includes counter-height seating and a sunny breakfast area that flows into the family room, complete with a wood-burning fireplace and direct access to a 300+ square foot deck. Whether you’re entertaining a crowd or just unwinding at the end of the day, the layout is made to flex with your lifestyle. A large formal dining room and bay-windowed living room bring in natural light and give you multiple options for gathering or relaxing. The mudroom off the garage entry includes a deep utility sink and half bath, making it easy to transition in from outdoor work or play. Downstairs, the finished basement opens up even more possibilities—it’s plumbed for a third full bath and has multiple oversized storage areas, giving you freedom to create gym space, a game room, media lounge, or all three. The oversized two-car garage offers more than just parking—it’s set up for projects, storage, or even workouts, with a window A/C unit to keep cool while you work and a second fridge ready for whatever the day calls for. Two additional sheds provide extra space for tools, gear, or equipment. A large flat front yard and cleared backyard make outdoor time easy, while the included playset adds to the fun. The property itself is a standout—over 10 acres with open space, wooded areas, creeks, and multiple cleared trails to explore on foot or by 4-wheeler. It’s ideal for hiking, hunting, sledding, or just enjoying the outdoors without ever leaving home. And with no HOA, what you do with your land is entirely up to you.