**NO HOA + 100% USDA Financing Eligible = Amazing Opportunity Near the Potomac!** Get ready to fall in love with this charming 4-bedroom / 2-bath split foyer home located in the peaceful Cliffton on the Potomac community, steps from the water! With NO HOA and eligibility for 100% USDA financing, this is your chance to own with zero money down and total freedom to make it your own. Inside, youll find a smart and flexible layout featuring 2 spacious bedrooms and a full bath on each level, ideal for multi-generational living, guests, or a work-from-home lifestyle. The lower level boasts a bonus flex room that leads directly to the backyard through a double French door perfect for a home office, gym, playroom, or second living area with seamless outdoor access. Step outside and youre greeted by a huge, fenced-in, flat backyard a true oasis ready for summer BBQs, fire pit nights, garden beds, or even a future pool. And dont miss the adorable goldfish pond and gazebo, which conveys with the property and adds a peaceful, decorative touch to your outdoor retreat. Enjoy peace of mind with major updates already done for you. The HVAC, roof, hot water heater, windows and front entry door are all just 3-7 years young! That means you can focus on making this home your own without worrying about big-ticket items. Commuters will love the quick access to Route 301, making for an easy drive to Dahlgren Naval Base, Indian Head Naval Base, and Joint Base Andrews. Youre also just 15 minutes to the Town of La Plata and only 10 minutes to King George, VA via the new Harry Nice Bridge, giving you plenty of shopping and dining options close to home. With water access nearby, room to grow, and no HOA rules to hold you back, this home is packed with potential and possibilities. Imagine the lifestyle that awaits...DON'T MISS OUT **PROPERTY IS BEING SOLD AS - IS**