ASSUMABLE LOW VA loans!!! This inviting three-bedroom, two-bath split-bedroom ranch offers comfort, convenience, and fresh updates in a desirable Concord location. The spacious floor plan includes a bright family room with vaulted ceilings, recessed lighting, and a cozy fireplace. A neutral palette, crown molding, and abundant natural light create a welcoming and move-in ready feel throughout. The kitchen has been tastefully updated with new granite countertops, a subway tile backsplash, and stainless steel appliances. The layout flows easily into the dining area and family room, making it an ideal space for gatherings and entertaining. The primary suite is a private retreat featuring a tray ceiling, generous closet space, and an en-suite bath, while the split-bedroom design provides privacy with a full bath located on the opposite side of the home. Enjoy outdoor living on the spacious deck that overlooks the fenced backyard, perfect for pets, play, or hosting gatherings.  Additional highlights include wood look flooring in the main living areas, a two-car garage, and fresh interior paint. This Concord ranch is move-in ready and waiting for its next owner.