PRICED BELOW APPRAISED VALUE! Seller is offering $5,000 in seller concessions toward the buyer's closing costs. Welcome to this charming five-bedroom, three-bath home on a full FINISHED BASEMENT with a FENCED backyard, offering the perfect blend of privacy and functionality. Situated on OVER AN ACRE, this property has been thoughtfully maintained and features an irrigation system for a effortless lush lawn. The covered rocking chair front porch invites you into a welcoming two-story foyer, highlighted by a palladium window that fills the entry with natural light. A formal living room/office has been converted into an additional bedroom, ideal for guests or flex space. The formal dining room, complete with wainscoting, flows seamlessly into the eat-in kitchen, complete with a bay window, great counter space, UPDATED APPLIANCES, and a breakfast bar for extra seating and serving options. The adjoining open family room boasts a cozy wood-burning fireplace, just in time for cooler weather, along with access to the main-level deck. The home also includes a newer TANKLESS HOT WATER HEATER for added efficiency and peace of mind. Upstairs, the primary suite features a tray ceiling, double vanity, garden tub, walk-in shower, and a closet that connects to one of the secondary bedrooms, creating an ideal nursery layout or an oversized wardrobe. Spacious secondary bedrooms and another full bath complete the upper level. The FINISHED BASEMENT offers endless possibilities, featuring a MEDIA ROOM, billiard room, and bonus spaces for hobbies or entertainment. With walk-out access to the backyard, this level could be transformed into a second living area for multi-generational living. The fenced portion of the yard can be extended to include even more space, and with NO HOA, you have complete freedom to design a backyard you enjoy. Consider adding a covered patio, firepit, or outdoor kitchen to take advantage of the serene setting as the property backs up to the protected Mountain Creek, ensuring no close rear neighbors and providing a peaceful wooded backdrop. Take advantage of the home's convenient location near major highways, grocery stores, reputable schools, healthcare facilities, and DOWNTOWN MONROE for local dining and shopping favorites. Just a short drive to Athens, this home offers both privacy and accessibility.