RARE FINANCING OPPORTUNITY! Assumable VA loan with an attractive 4.75% interest rate, subject to lender/servicer approval and buyer qualification. Both VA-elegible and non-Veteran purchasers may qualify for assumption. HUGE PRICE REDUCTION plus NO HOA! Inside you'll find real hardwood flooring in all bedrooms and the upstairs hallway, beautifully crafted hardwood stairs, custom woodwork, and a spacious living room with abundant natural light and durable tile flooring. The flexible floor plan includes 1 bedroom downstairs and 3 upstairs. The oversized upstairs bedroom includes two bonus rooms over the garage, creating endless possibilities for a walk-in closet, nursery, home office, or storage. A finished storage room with attic access provides even more functional space, right off the upstairs hallway! The kitchen is equipped with a NEW GE built-in oven and microwave (2025). Both bathrooms have been tastefully updated with granite countertops and tile flooring. The upstairs bath features a new soaker tub, tiled shower, and updated plumbing fixtures , while the downstairs bath includes a walk-in tiled shower. Major improvements include a NEW roof (2022), NEW Lennox HVAC system and ductwork installed by Airco (2023), professionally cleaned downstairs Trane HVAC vents(2025), and fresh interior paint (June)with a transferable two-year warranty. Additional upgrades include custom copper gutters, new exterior faucets with winter shut-off valves, and dimmer switches throughout much of the home. Outdoor living shines with a covered front porch and an expansive 14x30 covered back patio complete with roll-down shades. The garage offers built-in cabinetry, a fold-down workbench, and overhead storage, and the metal storage shed remains. A transferable Home Shield Home Warranty is included, making this exceptional home as practical as it is beautiful!