This meticulously maintained 2020 ranch home offers modern comfort on a peaceful 0.75-acre lot in desirable White Hill Estates - with no HOA restrictions. The 4-bedroom, 2-bath layout features all-new LVP flooring (2023) and an open-concept design that seamlessly connects the gourmet kitchen with stainless appliances, granite counters, and breakfast area to the inviting living space. The split-bedroom plan provides privacy for the spacious primary suite, complete with soaking tub, separate shower, and walk-in closet, while the oversized bonus loft upstairs offers versatile living space. Practical features include an oversized 2-car garage with 10'x15' workshop area, ideal for projects and storage. Outside, the fully fenced backyard with covered patio creates a private oasis for entertaining and play, complemented by the home's charming rocking chair front porch. Enjoy the convenience of public water, electric HVAC, and a prime location near schools, shopping, and I-85 access. USDA-eligible for 100% financing, this move-in ready home combines quality upgrades with timeless appeal.