**3.875% assumable rate, Offer of 2% Seller Concessions towards rate buydown or improvements, NO HOA** Loveland's established Loch Lon neighborhood presents the grounded character of an all-brick ranch paired with a flexible interior, substantial gathering spaces, and an outdoor setting designed to extend everyday living beyond the home. Take a second to notice the beautiful peach tree in the front yard. Built in 1971, the residence includes four bedrooms and two full bathrooms, complemented by a fully finished basement. Inside, the main floor moves through defined living and dining areas toward a kitchen with cherry cabinetry, stainless steel appliances, and tile flooring. One of the home's more distinctive elements is the permitted family-room addition, which expands the main-level living experience and creates valuable separation from the more traditional gathering areas. From here, the residence continues into spaces that can accommodate everyday relaxation, dining, hobbies, and larger gatherings without relying on a single room to serve every purpose. Downstairs, the finished basement adds another layer of versatility, including a recreation room with built-ins, basement laundry, and 2 additional bedrooms. The level fenced backyard establishes a generous extension of the interior, with permanent exterior holiday lighting, natural gas hook-up for your grill or firepit, Electrical hook-up for a hot tub, a paver patio, lawn sprinkler system, and storage structures already incorporated into the property. An attached two-car garage provides everyday parking and storage, with additional parking suitable for a boat or recreational vehicle. The locations practical and convenient position in southwest Loveland provides access to shopping, services, recreation, and the broader Loveland community. For buyers who value single-level living options, additional finished basement space, a substantial backyard, the enduring presence of brick construction this home won't be beat