Assumable mortgage at 2.375% with qualified VA Buyer!! Space, flexibility, and foothill views, with NO HOA dues or Metro District assessments! This beautiful two-story home offers nearly 4, 000 finished square feet and a distinctive layout that goes beyond the standard floor plan. With 5 bedrooms, 4 bathrooms, a main-floor office, a private finished walkout lower level, and an oversized 3-car garage with a shop area, there’s room for everyday living and so much more. One of the standout features is the fully finished walkout basement. With its own entrance, kitchenette, 2 bedrooms, bathroom, and separate laundry, this space can be completely locked off from the main portion of the home, offering flexibility for multigenerational living or extended guests while keeping everyone connected under one roof. Out back, the setting makes this home special. Step onto the deck and enjoy the beautifully landscaped yard, open farmland, foothill views, and no rear neighbors. The walkout lower level opens directly to the backyard, providing another way to enjoy the outdoor space. The oversized 3-car garage features epoxy floors and a dedicated shop area, with plenty of space for vehicles, projects, hobbies, storage, and extra gear. Inside, the kitchen offers granite countertops, cabinetry refinished in 2023, and brand-new kitchen appliances. Several big-ticket updates are already complete, including a new roof and refreshed exterior paint in 2025. Located just minutes from I-25 and Highway 34, with Johnstown Reservoir, Ledge Rock Center, Loveland, and Greeley nearby, this home brings together generous space, a flexible layout, and a remarkable setting, all without HOA dues or Metro District assessments.