Assumable VA Loan Opportunity: Seller’s current VA loan at 4.50% may be assumed by a qualified buyer, subject to lender approval and verification of the buyer’s VA entitlement eligibility. This four-bedroom split-level offers a bright, open, and airy interior on a private 3.5-acre setting with no HOA. The home sits at the end of a quiet cul-de-sac and blends modern updates with classic split-level charm, giving you flexible living spaces, generous natural light, and room to spread out. Updates include an upgraded kitchen with newer appliances; LVP flooring and neutral paint; a spacious primary suite with updated en suite bath; refreshed secondary baths; and a lower level with direct access to a fenced dog run. Major systems upgraded with a 2023 conversion from oil to electric, featuring a Carrier HVAC system with humidifier and in-light filter, plus a water heater with filtration. Exterior highlights include a large fenced yard, patio, gazebo, and a peaceful stream just beyond the fence line. Two-car side-entry garage with EV charger and extra storage. A quiet, private setting yet close to Waldorf, Hughesville, La Plata, and key commuter routes across Southern Maryland.