Imagine locking in a 4.625% interest rate in today's market. This home has an assumable FHA loan, so if you qualify, you can step into that rate and potentially save significantly on your monthly payment. Located in one of Lodi's most convenient neighborhoods, you're just a minute from Highway 12, Target, shopping, and restaurants. The layout flows naturally, with the kitchen opening to the living area, making it easy to host or just enjoy everyday living. The home features 3 bedrooms and 2.5 bathrooms. The primary bedroom is downstairs, set apart from the others for added privacy, and includes two closets for a great setup. Bathrooms have been updated, flooring has been redone, and a Nest thermostat is already in place. The backyard has been recently updated with new sod and an extended concrete patio, creating a clean, low maintenance space that's perfect for BBQs, gatherings, or just relaxing outside. Located in the Vinewood Elementary school district, the HOA includes access to a pool, clubhouse, and green spaces, along with front yard landscaping and road maintenance.