Assumable loan at 3.75%a rare find in today's market! Country living in the heart of Carmichael, tucked away on a quiet, tree-lined lane while still just 20 minutes from Midtown Sacramento. This 3-bedroom, 2-bath home offers approximately 2,400 sq ft with plenty of character and charm. Fresh interior paint, custom-milled hardwood floors, two gas fireplaces, a spacious primary bedroom, and a versatile flex room make this home feel both comfortable and functional. The kitchen features a gas cooktop, a convection oven and microwave, and walk-in pantry, plus there's a dedicated indoor laundry room and zoned heating and air. Outside is where this property really shines. Fresh exterior paint, immaculate paver patios and walkways, spacious decking, mature landscaping, two outbuildings, and mature fruit trees. The oversized lot gives you plenty of room to entertain, garden, or simply enjoy the privacy and peaceful setting. A one-of-a-kind Carmichael property with space, character, and an assumable 3.75% loan.