100 percent Financing Available Through KY Housing! This spacious 4/5 bedroom brick-wrapped home in Covington, KY offers a rare combination of size, character, storage, and privacy in a convenient urban location. Featuring an oversized 2-car garage--hard to find in this area--this home delivers exceptional flexibility for parking, storage, hobbies, or workshop space. Inside, you'll find gleaming hardwood floors, original woodwork, neutral décor, and ample natural light throughout. Architectural details including wainscoting, a dual staircase layout, and a beautiful brick fireplace accented by picture-framed windows create timeless character and warmth. The flexible floor plan offers 4 true bedrooms with a possible 5th bedroom on the first floor, making it ideal for larger households, guests, multigenerational living, or work-from-home needs. The primary bedroom features a huge walk-in closet, while the updated bathroom adds modern comfort and style. The spacious 4-season room adds even more usable living space to the already generous square footage and provides a great area for relaxing, entertaining, or enjoying natural light year-round. The kitchen includes stainless steel appliances and flows well into the main living areas for everyday functionality. Additional highlights include an enormous basement perfect for storage, projects, hobbies, or future finishing potential, along with both covered front and rear porches for outdoor living. The private wooded lot offers a peaceful setting rarely found this close to the city. Conveniently located a short distance from grocery stores, restaurants, shopping, downtown Covington, and Cincinnati, this home combines space, charm, privacy, and exceptional financing opportunities in one unique package.