Discover a hidden gem within the city limits. This delightful 4-bedroom, 3-bath home offers exceptional value and flexibility, all without the constraints of an HOA. Tucked away in a quiet, non-HOA subdivision, itCOs perfect for those seeking freedom and affordability. Enjoy stainless steel appliances and an inviting kitchen full of charm. The expansive primary suite offers a comfortable retreat, while the finished terrace level includes a bedroom, full bath, and a versatile flex room ideal for guests, a home office, or recreation. The spacious backyard is perfect for children and pets to play. DonCOt miss this rare opportunity to own an affordable home with character, space, and convenience!