NO HOA, UNDER 400K FOR ALL THIS? Welcome to this stunning farmhouse-style retreat nestled on just under an acre of nature lover’s paradise — complete with a wooded backyard, babbling creek, and the kind of privacy that’s nearly impossible to find. From the moment you arrive, the charcoal board-and-batten exterior, covered front porch, and landscape lighting set the tone for what awaits inside. Step through the foyer, and you’re immediately greeted by a thoughtfully designed first floor featuring laminate wood flooring throughout. A private office off the foyer with double French doors is tucked away from the main living areas, making it ideal for remote work or a quiet retreat. The open-concept great room impresses with soaring natural wood ceiling beams, an electric fireplace framed in shiplap, recessed lighting, and a wall of windows overlooking the lush wooded backyard — all flowing seamlessly into the kitchen. The kitchen is an absolute showstopper and the heart of this home. White shaker cabinets with glass-front uppers are paired with a dramatic artisan tile backsplash, quartz countertops, and a large custom island with seating. A ceramic farmhouse sink is centered under a window with backyard views, and the stainless steel appliance package includes double wall ovens, an electric cooktop, a dishwasher, and a microwave. Pendant and recessed lighting, black hardware, and an oversized pantry with a built-in butler’s pantry — perfectly styled as a coffee bar — complete this chef’s dream space. The informal dining area features a built-in table with a quartz countertop connected to the island, plus French doors that open to the impressive 20×20 deck with cable railing, overlooking a stunning canopy of mature trees and the creek below. Whether you’re sipping morning coffee or entertaining at sunset, this outdoor space is pure magic. Also on the main level is a stylish powder room with a quartz vanity and black fixtures. The finished attached two-car garage features epoxy flooring, a MyQ smart opener, recessed lighting, and extra storage. Upstairs, the spacious landing leads to four well-sized bedrooms, all with laminate wood flooring and ceiling fans. The primary suite offers a large walk-in custom closet and a spa-quality ensuite with a double quartz vanity, black fixtures, and an oversized walk-in tile shower with wave-texture wall tile, dual niches, mosaic floor tile, and a window that brings the outdoors in. Three additional bedrooms are generously sized — each with laminate wood flooring and ceiling fans — with one bedroom offering peaceful wooded views through dual windows. All three are served by a well-appointed hall bath with quartz vanity, black fixtures, and a tub/shower combo. A laundry room that redefines the standard — white cabinetry, quartz countertop, artisan tile backsplash, floating wood shelf, and a window. Exterior extras include black gutters, landscape lighting, an extra parking pad, and a creek-side backyard that truly cannot be replicated. And the location? Better than you’d expect. Less than 10 miles to Lake Tillery, under 4 miles to Uwharrie Vineyards, ~3 miles to Downtown Albemarle — Goody Shop Cafe, Connie’s Coffee and Cafe, Five Points Public House, Albemarle Sweet Shop & more. Catch summer baseball with the local Wampus Cats at Don Montgomery Park, and it’s within about an hour of Uptown Charlotte. This one is special — and homes like this don’t come around often in this area.