Rare opportunity to assume the seller's current 4.50% VA loan, subject to lender approval and verification of the buyer's VA entitlement eligibility, offering potential savings in today's rate environment. This updated four-bedroom split-level home sits on a private 3.5-acre wooded lot at the end of a quiet cul-de-sac with no HOA, providing both privacy and flexibility in a sought-after Southern Maryland location near Waldorf, Hughesville, and La Plata. The bright and open interior blends classic split-level design with modern upgrades, featuring an updated kitchen with newer appliances, luxury vinyl plank flooring, fresh neutral paint, and abundant natural light throughout. The spacious primary suite includes a renovated en suite bath, while the secondary bathrooms have also been refreshed. The finished lower level offers additional living space with walk-out access to a fenced dog run, making it ideal for flexible use. Major system improvements include a 2023 conversion from oil to electric, a Carrier HVAC system with humidifier and in-light air filtration, and a water heater with filtration system. Outdoor features include a large fenced yard, patio, gazebo, and a peaceful stream just beyond the fence line, creating a private retreat setting. A two-car side-entry garage with EV charger and additional storage completes the package. This property is ideal for buyers searching for a split-level home with acreage, a no HOA property in Southern Maryland, or a VA assumable loan opportunity with commuter access to key routes.