Beautifully updated 4-bedroom (4th is great for office or retreat), 2.5-bath home situated on an expansive approximately 9,525 sq. ft. lot in desirable Bay Terraces with no HOA. Thoughtfully remodeled to create a bright, open-concept floor plan, this move-in ready home offers the perfect blend of modern upgrades, timeless character, flexible living space, and outdoor enjoyment. The stunning remodeled kitchen features quartz countertops, custom cabinetry, a large center island with breakfast bar seating, farmhouse-style sink, stainless steel appliances: 5 burner gas range, designer hood, refrigerator, dishwasher along with a spacious pantry, and abundant storage. The kitchen opens seamlessly to the dining and living areas, creating an ideal space for entertaining and everyday living. The inviting family room showcases a beautiful stacked-stone fireplace, charming bay window, and abundant natural light, adding warmth, character, and architectural interest to the home's open-concept design. The spacious primary suite offers a walk-in closet and adjoining flex room ideal as a home office, nursery, fitness space, or optional fourth bedroom. Additional improvements include remodeled bathrooms, dual-pane windows, updated flooring, newer roof, solar system, tankless water heater, central heat and air conditioning, freshly painted exterior, and recent interior paint updates. Enjoy the oversized backyard with stamped concrete patios, multiple seating areas, fresh landscaping, new sod, irrigation, and plenty of room for entertaining, gardening, pets, or future possibilities. No HOA. Termite clearance to be provided. Conveniently located near several military installations, making this an excellent opportunity for VA, FHA and conventional buyers alike.