Possible 4% Assumption! And...NO HOA! Welcome Home to This Stunning 3-Bedroom, 2-Bathroom Split-Level Residence! This beautifully remodeled home offers endless possibilities. The flexible layout features 2 bedrooms and 1 bath on the entry level, plus 1 bedroom with 1 bath on the lower level—each with its own private entrance. Whether you need a rental, large primary suite, or extra space for family and guests, this home delivers. The lower level even has a wet bar! Upgrades include a rock wall with an electric solar gate, double-pane windows, new split AC units, 40-Amp EV charging outlet, and a modernized solar ready 200 Amp electric panel. Additional improvements include a new water heater, attic insulation, and a water shut-off valve. The tropical landscaped yard boasts mature Lychee and Avocado trees, with a patio and BBQ area perfect for outdoor entertaining. Conveniently located in Central Oahu, you're just minutes from Wahiawa Botanical Garden, schools, parks, military bases, and shopping centers. Plus, a short drive to the North Shore beaches or Honolulu! A true gem—schedule a tour today!