Take advantage of a rare ASSUMABLE 2.4% VA loan-a significant opportunity in today's market-paired with a home that offers both flexibility and a peaceful natural setting. Set on a peaceful lot backing to woods and parkland, this home offers a quiet, tucked-away setting with direct access to nature and nearby walking trails-an everyday escape right in your own backyard. Designed for ease, the main level supports true one-level living, complete with main-level laundry and thoughtfully updated spaces that blend comfort with function. NEW STAINLESS STEEL appliances, ROOF CERTIFICATION, NEW HOT WATER heater, renovated baths, and fenced area. The lower level introduces a unique advantage-a fully separate apartment option with its own entrance, kitchen, and living space. Whether used for extended family, long-term guests, or as a potential income opportunity, it provides flexibility that adapts to your lifestyle. Beyond the home itself, the Ten Hills community is known for its charm and connection-highlighted by Luminary Night, a beloved holiday tradition where neighbors line the walkways with glowing candlelight. Set against a natural backdrop, this home offers privacy, income potential, and move-in ready ease. Convenient to Catonsville, I-70, dining, shopping, and local favorites like the 4th of July Parade and Gwynn Falls Park trails.