This stunning home features a potentially assumable loan with an approximate 5.35% APR interest rate - a rare opportunity in today's market. Your dream home awaits - and it's NON-HOA! Built in 2022 and perfectly situated in the heart of Downtown Commerce, this home is the definition of turn-key luxury. From the moment you arrive, the charming front porch invites you to sit and stay a while, leading into an entry foyer complete with trendy trim details and functional coat hooks. The heart of the home is a total showstopper, featuring an expansive open-concept layout with soaring cathedral ceilings and a cozy fireplace that makes the large space feel instantly like home. You'll love the bright and airy kitchen, which boasts crisp white cabinetry, granite countertops, and stainless steel appliances, all overlooking a dining area accented by modern designer lighting. Luxury vinyl flooring stretches throughout the main living areas, leading you to the serene primary suite on the main level. This retreat offers a spacious walk-in closet and a spa-like bathroom featuring a deep garden tub and a beautiful marble-look tile shower. The main floor also hosts two additional bedrooms and a full bath, while the upstairs reveals a private, oversized fourth bedroom with its own full bath - perfect for a home office, teen suite, or guest getaway. Step outside to find a covered back patio designed for grilling and relaxation, overlooking a flat, sodded, and fully fenced backyard that offers exceptional privacy. With its durable Hardiplank siding, non-HOA freedom, and unbeatable location near local shopping, dining, and I-85, this home truly has it all.