Welcome to your serene sanctuary in the heart of Horseshoe Bay! This charming and low-maintenance 3-bedroom, 2.5-bath, 2-car garage cottage offers not only a beautiful place to call home-but also an amazing financial advantage: an FHA assumable loan with a rock-bottom 2.75% interest rate. This is a rare opportunity for significant monthly savings for qualified buyers. Set on a premium wide, flat lot just under half an acre, this home strikes the perfect balance of tranquility, comfort, and convenience-ideal as a full-time residence or a lock-and-leave retreat. Mature trees surround the property, while panoramic Hill Country and golf course views provide a stunning natural backdrop. The timeless exterior features a clay tile roof and elegant stucco and stone masonry on all four sides. Step inside to find a bright, open layout with soaring vaulted ceilings and abundant natural light. The living room centers around a dramatic floor-to-ceiling stone fireplace-perfect for cozy evenings. The gourmet kitchen is built for everyday living and effortless entertaining, complete with granite countertops, a large island, gas cooking, and a pot filler for added convenience. The oversized primary suite captures gorgeous golf course views and includes a walk-in closet and spa-like ensuite bath with a walk-in shower, bench seating, and generous storage. The second bedroom features its own private ensuite, and a third room provides flexible space for a home office or guest room. Step outside to a covered back patio with a built-in grill-ideal for outdoor dining, entertaining, or simply relaxing in your peaceful Hill Country setting. Tucked away in a quiet part of this highly sought-after resort community, you'll enjoy a sense of privacy while being just minutes from Baylor Scott & White Hospital, HEB, and the many world-class amenities of Horseshoe Bay Resort-including four championship golf courses.