USDA 100% Financing Available! Come tour this adorable, well-maintained one-owner home in Hernando! Conveniently located just minutes from downtown shopping and dining, and within walking distance to Conger Park. This low-maintenance home features a classic brick exterior and a welcoming interior filled neutral colors and natural light. The living room boasts gorgeous hardwood floors, a cozy gas fireplace, and plenty of windows, offering flexible space for a variety of furniture layouts. The kitchen is both stylish and functional, featuring hardwood floors, a spacious eat-in area with double windows, breakfast/snack island, granite countertops, stainless steel appliances, matching refrigerator, food disposal, abundant cabinetry, and a generous pantry. The thoughtfully designed split-bedroom floor plan offers privacy, with three of the four bedrooms located on the main level. The primary suite includes tray ceilings, double windows, and a luxurious en-suite bath with large vanity with dual sink, a large walk-in shower, a Jacuzzi tub, linen closet, and a spacious walk-in closet. Upstairs, you'll find a large media room that can easily serve as a fourth bedroom, along with a walk-in, floored attic for additional storage. Additional features include a pre-wired security system, large laundry closet, rain gutters, and a spacious two-car garage. Step outside to enjoy a fully fenced backyard--perfect for pets or play--along with a covered patio ideal for relaxing or entertaining. This is where comfort, charm and convenience come together!