Charming Ranch Living with Backyard Retreat & No HOA!! Welcome home to this inviting 3-bedroom, 2-bath ranch featuring a sought-after split-bedroom layout, ideal for comfort and privacy. The fireside living room boasts cathedral ceilings, a stunning skylight, a remote-controlled ceiling fan, and wide plank laminate flooring throughout the common areas. The oversized eat-in kitchen is a standout with its island breakfast bar, spacious dining area, and abundant cabinetry. Each window features custom faux wood 2" blinds for a polished finish. The owner's suite offers a tray ceiling, en-suite bath with tub/shower combo, and thoughtful details. On the opposite side of the home, you'll find two secondary bedrooms and an additional full bath. French doors with built-in blinds lead to your fully fenced backyard oasis—complete with a sturdy wood fence (installed in 2019), retaining wall, gazebo with remote-controlled fan, and a convenient USB outlet. Enjoy the benefits of a two-car garage with automatic openers, and best of all—this home is nestled in a community with no HOA or rental restrictions. Don't miss your chance to own this gem in a quiet neighborhood, just minutes from shopping, dining, and more! **Reach out to schedule a tour and see how this home is eligible for 100% financing with no Mortgage Insurance (PMI) required – please ask for more details.**