No need to wait for rates to go downâ€¦This lovely Baywood Golf community townhome has an assumable VA loan at 3.8%! Low maintenance, single-story brick home in a fabulous community with NO HOA DUES or city taxes! Master suite features a full bathroom with garden tub, separate shower and large walk-in closet. Tall cathedral ceilings adorn the spacious living room and 2nd bedroom. There is a formal dining room and an eat-in kitchen with a breakfast bar. Plenty of storage space with several closets, kitchen pantry and a two car garage. Unwind by the gas log fireplace or out on your back patio. This home is low maintenance brick with a roof less than 3 years old. *Optional Golf Club, Tennis and Pool Memberships starting at $540/year gives access to pavilion rental. *USDA ELIGIBLE area!