Discover the perfect blend of comfort, space, and style in this beautifully maintained 3-bedroom, 2-bath ranch with an oversized bonus loft, set on a quiet 0.75-acre lot in White Hill Estates — with no HOA. Built in 2020 and updated with new, modern LVP flooring throughout in 2023, this home features an open concept layout ideal for both everyday living and entertaining. The kitchen includes stainless steel appliances, granite counters, a central island, and a bright breakfast area that flows effortlessly into the main living space. The split-bedroom floor plan offers privacy for the spacious primary suite, which includes a soaking tub, separate shower, and walk-in closet, while the large upstairs bonus room provides flexible space. One of the standout features is the large, flat, fully fenced backyard, perfect for outdoor living, pets, or play and complete with a covered patio for relaxing or entertaining. A rocking chair front porch adds to the home's charm, and additional highlights include a side-entry garage, electric HVAC, and public water. Convenient to schools, shopping, and I-85, this move-in ready home offers peaceful living with modern upgrades and timeless appeal. This home is USDA 100% financing eligible.