LOWER RATE. LOWER MONTHLY PAYMENT. LONG-TERM SAVINGS! Why settle for today's market rates when you could lock in a lower rate for the life of your loan? The seller is offering an exciting opportunity through AnnieMac's Rate Relief program, allowing qualified buyers to secure a mortgage interest rate as low as 6.375%! That's not a temporary buydown—it's an opportunity for long-term savings! Ask for details and see how this seller-funded incentive could make your dream home more affordable! Built in 1917, this charming Colonial blends timeless character with thoughtful updates and modern comfort in the heart of downtown Charles Town. Beautiful hardwood floors and luxury vinyl plank flooring extend throughout the home, while abundant windows fill the interior with natural light. The formal dining room features a beautiful built-in corner cabinet, adding warmth and classic architectural appeal. The gourmet kitchen is designed for both everyday living and entertaining, featuring stainless steel appliances, a center island, upgraded granite countertops, prep sink, recessed lighting, and an additional mini refrigerator for added convenience. Three bedrooms and 1.5 baths provide comfortable living space, while the unfinished basement offers generous storage with a drainage system, walkout stairs, and storage shelving. Outdoor living is equally inviting with a spacious wrap-around porch overlooking beautifully landscaped grounds and a front garden. The expansive 0.64-acre lot features a level rear yard with plenty of room for gardening, recreation, entertaining, or simply enjoying the outdoors. Parking is a breeze with a detached garage, carport, and driveway. The garage and large storage shed provide ample room for vehicles, hobbies, tools, and outdoor equipment. Ideally located within walking distance of the shops, restaurants, and historic attractions of downtown Charles Town, this property combines the character and charm of a historic Colonial with comfortable living spaces, abundant storage, and an expansive lot. This home is a true sanctuary, ready for you to create lasting memories. (This is an AnnieMac Rate Relief Eligible Property! Rate Relief makes this home more accessible and budget-friendly for you. What is a Rate Relief Eligible Property? Rate Relief is a program offered by AnnieMac Home Mortgage where the mortgage interest rate is reduced for the life of the loan. This reduction is achieved through an upfront payment made during the purchase process, and here the best part - the seller and/or seller's agent have committed to covering this cost for you! The reduced interest rate is available through 12/21/2026. See full details and disclosure available through the listing agent.)