ASSUMABLE 3.125% VA LOAN + NO HOA + LOW 1.777% TAX RATE! This home offers something increasingly difficult to find in New Braunfels-the opportunity to keep more money in your pocket each month. Qualified buyers may be able to assume the existing 3.125% VA loan, potentially creating substantial savings compared with today's market rates. Add a low property tax rate and NO HOA dues, and the savings continue long after closing. No HOA also means fewer restrictions and more freedom to enjoy your property your way. A dedicated home office provides the ideal setup for working remotely, while a custom-built farmhouse-style entertainment center creates a welcoming focal point in the living area. Out back, the impressive 10' x 34' extended covered patio delivers exceptional outdoor living space with plenty of room to grill, entertain, watch the game, or relax in the shade. A storage shed keeps tools and lawn equipment tucked away, while the widened driveway provides additional parking space. Located in the heart of New Braunfels, everyday conveniences including schools, shopping, dining, parks, and entertainment are just minutes away. Quick access to I-35 makes travel toward San Antonio or Austin easy. With a 3.125% assumable VA loan, low 1.777% tax rate, NO HOA, dedicated office, oversized covered patio, and extra parking, this home offers financial and lifestyle advantages that are increasingly hard to find.