With an assumable VA loan at 3.5%, this Duluth home has all the flexibility to work as a smart investment or a perfect first home. Set back from the main road, this home brings surprising privacy under a canopy of trees. Renovated in 2017, it features hardwood floors, a neutral palette, and great natural light—ready for your own personal touches. The kitchen brings the style with butcher block countertops, a gas stove, and updated cabinetry, while both bathrooms have modern tile and fixtures. Ceiling fans, lighting, and finishes have all been updated, so there’s no guesswork on what needs to be done. Major systems, including the roof, HVAC compressor, and water heater, are 8 years old. Out back, the spacious yard offers plenty of room to garden, relax, or let pets roam, and there’s a handy storage shed for all the extras. Enjoy a one car garage, no HOA and low-maintenance living making this one a smart, move-in-ready option.