Discover this beautiful custom-built 4 bedroom, 3 bathroom (Could be (6) bedrooms) home in the highly desirable city of Covington. With only one owner and no HOA, this property has been exceptionally well cared for and offers tremendous value. The main level features the owner's suite with dual walk-in closets, a spacious living room with hardwood floors and a stone fireplace, and a bright kitchen with wood cabinetry, luxury vinyl tile, and casual dining. A formal dining room, second bedroom, and full bath complete the main level, while upstairs offers two additional bedrooms, a full bath with Jacuzzi tub, and a versatile bonus room. The terrace level expands the living space with a large tiled entertaining area, two finished rooms perfect for bedrooms or recreation, plus four unfinished rooms for storage or storm shelter. Step out to the enclosed sun porch and enjoy the expansive, level backyard-ideal for relaxing or entertaining. Updates include dual central HVAC (2021), baseboard heating, and gutter guards. Conveniently located less than 10 minutes from Downtown Covington, this home is priced below its recent appraisal, with the seller offering closing costs and a home warranty-making it a rare find! Seller is offering $10,000.00 towards closing costs. Motivated Seller!!!