Tucked on a tranquil street in Banning Lewis Ranch, this updated Oakwood farmhouse pairs timeless curb appeal with a rare assumable mortgage - an unbeatable combination of character, charm and value. Inside, wide plank floors set a sophisticated tone, drawing the eye toward a living room rich in detail. A striking fireplace clad in white shiplap anchors the space, complemented by a coffered ceiling and a wall of oversized windows that flood the room with light and a sense of calm continuity between the interior and the backyard beyond. The adjoining dining area sits gracefully between kitchen and living space, ideal for gatherings of any size. In the kitchen, deep-toned cabinetry and marble counters create an elegant contrast, accented by recessed lighting and a statement fixture above the island. With generous prep areas and ample storage, this space is a celebration of functional design. On the garden level, a 2nd living space offers warmth and charm. A fireplace wrapped in reclaimed wood anchors the room, while a matching wet bar and curated light fixtures introduce a rustic-modern sensibility. This level opens directly to a stamped concrete patio, offering seamless access to the backyard - a private oasis with space for play, gardening, or simply soaking up the sun. Upstairs, the loft presents a versatile bonus space, beautifully appointed with another coffered ceiling and generous light. The primary suite is a spacious and serene retreat, complete with tall ceilings, a walk-in closet, and a refined ensuite bath. Three of the additional bedrooms has been thoughtfully finished with custom trim and paneling, lending a level of architectural sophistication. Generous layouts and smart storage in each room ensure the beauty of the design is matched by everyday practicality. From its timeless architectural elements to its flexible and functional floor plan, this home is a rare blend of form and ease - a refined retreat in the heart of a vibrant community.