Seller is offering a $10,000 credit toward the buyer's closing costs or rate buy down, and this home comes with a 3.5% assumable mortgage, a rare opportunity in today's market. Plus, this property features a private two story, 728 square foot ADU (Accessory Dwelling Unit) with built in cashflow potential to help offset your monthly mortgage payment. Welcome to a home that's been methodically upgraded from the roof down, offering the kind of peace of mind that only comes from a property that's been truly cared for. Nestled in the serene Keystone Heights community, this home sits within walking distance of Keystone Beach Park, downtown shops, restaurants, and local businesses. It sits between two vacant lots, has city water, and no HOA. Inside, large windows fill the living room, kitchen, and dining areas with natural light, while fresh luxury vinyl plank flooring (2024) runs throughout the main living areas for a clean, modern feel underfoot. The main house offers 1,552 square feet and tells a story of smart, sustained investment. A metal roof (2015) has stood strong for over a decade, brand new AC ductwork (2023) and a new AC unit (2026) ensure efficient, reliable climate control, and newly upgraded attic insulation to R30 (2026) means lower energy bills year round. The septic system was professionally cleaned and serviced (2026), so the next owner starts fresh with zero deferred maintenance. A renovated garage storage area (2021) adds organized space for tools, equipment, or hobby storage. The private ADU received its own round of major upgrades: a new metal roof (2024) and new water heater (2024), giving occupants privacy, comfort, and confidence. A 575 square foot office or storage room underneath the ADU adds even more flexible space, ideal for a home business, workshop, or additional storage. Whether you're looking for a finished home with potential supplemental income, space for extended family, or a private home office, this is a rare opportunity in Keystone Heights. Private financing is also available through the seller.