Rare opportunity to assume an existing FHA loan with a competitive 4.5% interest rate for qualified buyers - potentially offering substantial monthly savings compared to current market rates. Buyer must qualify through the seller's current loan servicer for FHA assumption approval. Completed in early 2025 and lightly lived in, this move-in-ready home offers the feel of new construction without the added expense, delays, or unfinished projects often associated with new builds. Located in the heart of wine country, it combines comfort, convenience, and thoughtful upgrades throughout. Enjoy a cozy gas fireplace, newly installed air conditioning, quality window coverings, completed landscaping and irrigation, plus a new patio ready for summer entertaining. Situated on one of the larger lots in the community, the property also includes an electric plug for your hybrid vehicle. The light-filled floor plan is designed for flexible everyday living, featuring the primary suite, dedicated office, and laundry on the main level. Upstairs offers a spacious bonus room, two additional bedrooms, and a full bath ideal for guests, hobbies, or multi-purpose living.