Rare assumable FHA loan opportunity at 3% interest. Rare chance for first-time buyers and investors alike. Whether you're looking to establish roots, or generate rental income, this property offers exceptional value and versatility. This charming two-story townhome in the desirable Northpoint Village community of Santa Maria is well-maintained, features 3 bedrooms, 2.5 bathrooms, and a versatile loft ideal for a home office, media room, or additional living space. Enjoy a spacious floor plan with a cozy fireplace, granite countertops, water softener, track lighting, and an attached two-car garage. The primary suite offers dual sinks and ample storage, while the additional bedrooms provide flexibility for a variety of needs. Located on a quiet cul-de-sac, residents enjoy access to community amenities including a heated pool, spa, tennis courts, playground, and picnic area. Conveniently located near shopping, dining, parks, and commuter routes, this home offers comfort, convenience, and low-maintenance living.