Why wait for rates to come down? This home offers an ASSUMABLE 2.5% MORTGAGE for the qualified buyer - a rare opportunity in today's market. Located in the desirable Cedar Ridge subdivision, this 4-bedroom, 5-bath home delivers nearly 4,800 square feet of finished living space on 1.07 acres with a fully fenced backyard and heated attached garage. Built in 1998, the home combines comfort and versatility with a main-level master suite featuring a spa-like bath with heated floors, updated finishes, and a large walk-in closet. The main level also includes an office, formal living room, and a soaring 2-story entry that flows into the open-concept kitchen, dining, and family room, with a second staircase leading upstairs. The upper-level features three bedrooms, including a private suite with its own full bath, plus another full bath. The walk-out basement offers endless options with a spacious great room, a game room, full bath, workshop, and generous storage. Updates include a new hot water circulator pump and a massive storage area above the garage. Outdoor living is equally impressive with a wrap-around front porch and a multi-level deck overlooking the private backyard. With its unbeatable financing option and sought-after location, this home is as practical as it is inviting.