**SELLER IS OFFERING A CREDIT TOWARDS RATE BUYDOWN, making the monthly mortgage payment significantly lower during the first 24 months!** Set in the desirable River Club community near the Rappahannock River, this exceptional home is tucked away on a quiet cul-de-sac and just minutes from the Fredericksburg Country Club, Downtown Fredericksburg, shopping, dining, hospitals, and everything Spotsylvania has to offer. This impressive 5-bedroom, 3.5-bath home offers nearly 5,000 square feet with extensive upgrades throughout. The renovated primary suite features a stunning bathroom with heated floors, custom his-and-her closets, and dual sinks, while the main level offers updated flooring, kitchen cabinetry, countertops, recess lighting, chandeliers, and appliances. The finished basement adds incredible versatility with a bedroom, full bath, KITCHENETTE, and separate exterior entrance. Enjoy the upgraded rear porch with French doors, spacious backyard, and garage with finished flooring and custom storage racks. Major systems include a 2023 HVAC with a transferable warranty and 2025 water heater. A rare opportunity to own a beautifully upgraded home in River Club near the Rappahannock River!