Brand NEW HVAC being installed! NEW ROOF with a lifetime warranty! $5000 seller concessions! Come check out this adorable 2-story home, located in an RV and Boat-friendly subdivision in the heart of Effingham. This home features lots of upgrades including grey-toned luxury vinyl plank floors throughout downstairs, granite countertops throughout, spray-foam insulation, fenced back yard with 16'x12' workshop and an additional 11'x12' of covered patio space, kids swingset, and lots of acreage beyond the back fence that makes this property up to a total of 1.42 Acres. The back yard view is wooded, quiet and serene. Inside you'll find a massive open floor plan, great for entertaining from the well-appointed kitchen with upgraded tops, stainless appliances and painted wood cabinets. The living room with combined open flex space is 15'x29'! Lots of room to make it what you want. The formal dining room is separate. The 20'x17' owner's suite is downstairs, hosting dual walk-in closets, an en-suite bathroom with dual vanities, and a garden tub combo, separate water closet. The laundry room is tucked away near the two-car garage with built in storage shelving. Upstairs hosts a massive 17x17 bonus loft with additional 8x5 nook, 3 very roomy bedrooms and a full bathroom. This house features lots of neutral color features and is a blank slate, ready to be made your own. Come check out this quiet oasis, only minutes from shopping and dining in Rincon. This home qualifies for USDA 0% Down Financing and has an assumable mortgage for qualified buyers, with a current rate of 3.125%!