Refined elegance meets everyday comfort in this beautifully maintained single-family residence, quietly positioned within the sought-after Fletcher Oaks community, offered with a stunning 2.75 assumable FHA loan available to qualified buyers. With a current total monthly payment of just $1,997.93, this opportunity could save hundreds of thousands over the life of the loan. Built in 2016 and offering nearly 2,000 square feet of intentional living space, the home is defined by classy architectural details, abundant natural light, and a layout designed for both connection and calm. Curb appeal is immediate, with newer exterior paint and a charming front walk that leads to a covered porch—an ideal spot for observing the quiet rhythm of this welcoming neighborhood. Inside, timeless elements such as crown moulding, chair rail accents, and wainscoting add visual interest, while wide plank wood and tile flooring flow seamlessly throughout the main living areas. A spacious living room with coffered tray ceiling anchors the open-concept floor plan, which continues into a chandelier-lit dining area and a sun-filled kitchen. Solid wood cabinetry, stone countertops, stainless steel appliances, and a skylight combine to create a space that is both functional and elegant. A two-tier bar counter offers versatility for meal prep, casual dining, or conversation. Three generously sized bedrooms provide flexibility, each featuring hardwood flooring and ample closet space. The primary suite serves as a true retreat, complete with a walk-in closet and a luxurious en-suite bath with dual vanities, a walk-in shower, and a deep soaking tub. A second well-appointed bathroom accommodates the additional bedrooms with equal attention to detail. Outdoor living is effortless with a screened patio, covered front porch, and a fully fenced, low-maintenance yard supported by a smart irrigation system. The addition of financed solar panels enhances the home’s energy efficiency, offering meaningful savings on monthly utility costs while supporting sustainable living. Additional highlights include a 2-car garage and access to top-rated schools including Glen Springs Elementary, Westwood Middle, and Gainesville High. Set along a peaceful street with sidewalks and a strong sense of community—and just minutes from shopping, dining, parks, and downtown Gainesville—this home offers a rare blend of style, savings, and lifestyle.