Assumable 3% VA loan plus $5,000 Seller Credit for Painting! This beautifully maintained 3-bedroom, 2-bath rancher in Spirit Lake offers a bright, open-concept layout with vaulted ceilings, abundant natural light, and bamboo flooring. The kitchen features a large island, breakfast bar, and generous cabinet space, while the living room is warmed by a cozy pellet stove and opens through French doors to a private outdoor retreat with two covered Trex decks, large trees, and sprinkler system. Additional highlights include a heated and insulated garage with smart opener, RV parking, fenced yard with multiple access gates, snow melt roof system, smart thermostat, wired generator backup, and an assumable VA loan at 3% for eligible buyers. Welcome Home!