BUYER FINANCING FELL THROUGH! Now is your opportunity! Gorgeous landscaping in a serene environment with a POND in Lake Summerset! Beautifully landscaped by a master gardener, this 4-bed, 3-bath ranch with a huge upper level multi-functional space is bursting with character and outdoor charm—including established perennials, a garden pond with waterfall, a large garden shed with a concrete floor (new in 2023) and a newer deck with a pergola for relaxing or entertaining. Additional parking pad for a boat or RV! Inside, enjoy an expansive, finished, multi-purpose room with hardwood floors and large windows, perfect as a creative or recreational space. The main living area features vaulted ceilings, wood floors (2022), and a cozy gas fireplace. The kitchen is a dream with quartz countertops, tiled backsplash, ample cabinetry, and new stainless steel appliances (2023). The primary suite offers a large walk-in closet and a private bath with dual sinks and a step-in shower. A main floor laundry offers ease and convenience! The partially exposed lower level includes a fourth bedroom, full bath with step-in shower, bonus room, a separate workroom, an additional washer and dryer, closet, and an abundance of storage. Additional upgrades include a NEW roof (2024), furnace (2022), water softener (2023), garage door (2023) which has a camera with wifi acess, and a freshly sealed driveway. Underground invisible dog fence included! Additional lots surrounding the home are also available (382, 383, 385, and 386). Located in the gated Lake Summerset community—known for its 285-acre stocked lake—residents enjoy two beaches, marinas, a heated pool, splash pad, tennis, pickleball, disc golf, a dog park, playgrounds, and year-round events. Just 30 minutes from Rockford, Freeport, and Monroe, and 100 miles from Chicago via I-90. This is more than a home—it’s a lifestyle.