Major buyer advantage: opportunity to ASSUME A 4.75% LOAN, subject to lender approval and well below current market rates. This charming single story 2 bedroom, 2 bathroom home perfectly situated on a cul de sac in Valencias highly sought after Old Orchard II neighborhood. This light filled residence features an open concept floor plan with beamed ceilings in the living room and a cozy brick fireplace with a wood mantle. The dining area and kitchen, which boasts garden windows overlooking the backyard, provide abundant natural light. The primary bedroom is spacious with mirrored wardrobe doors, while the flexible second bedroom features beautiful French doors. Enjoy your own private backyard retreat featuring newly installed, low maintenance turf and mature fruit trees lemon, peach, and fig creating a serene space perfect for relaxing or entertaining in any season. This home offers exceptional value with a 2 car attached garage,LEASED SOLAR PANELS (18)for significant utility savings (buyer to assume lease), and best of all,NO MELLO ROOS! Enjoy an incrediblyLOW HOA of just $76/MONTHthat includes access to the clubhouse, sparkling pool, sports courts, and access to Valencia's famous paseos. Located within walking distance to award winning schools, parks, and the Valencia Town Center, this property offers the ultimate combination of comfort, convenience, and low cost living.