Charming Foothill Retreat with Assumable Loan & Affordable Insurance! Discover comfort, privacy, and exceptional value in this peaceful Sierra Foothill setting, nestled in the heart of the historic River Pines community - now designated as a certified Firewise neighborhood. Enjoy added peace of mind with annual insurance premiums of just $1,400. Even better, buyers have the rare opportunity to assume the current loan with a 3% interest rate, making this home an incredible value in today's market. Features include a recently serviced whole house generator, central heat and air, and dual pane windows to keep utility bills low year-round. Enjoy the serenity of mature trees and tranquil surroundings from the front or back deck, or unwind in the cozy courtyard. Inside, you'll find new bedroom carpet(April 2025) and fresh paint throughout. The kitchen is move-in ready with a $3,500 seller credit toward new countertops. Two front sheds and one in the back offer ample storage. Enjoy a strong sense of community in this close-knit nature-loving neighborhood with just a short drive to local wineries, lakes, and the scenic Shenandoah Valley. (See list of additional improvements in photos)