This spacious 5-bedroom, 3-bath residence offers three beautifully finished levels designed for both everyday living and unforgettable entertaining. Best of all, the home comes with an assumable FHA loan at a rare 3.5% ratea unique opportunity for todays buyers. Step inside to find a sun-filled layout with formal living and dining rooms, a chef-friendly kitchen with abundant storage, and a bright sunroom perfect for morning coffee. The inviting family room provides the ideal place to relax or host friends. Upstairs, the luxurious primary suite boasts two walk-in closets, a private en-suite bath, and a dedicated office spaceideal for working from home. Three additional bedrooms, a full hall bath, and an upstairs laundry add both comfort and function. The fully finished lower level is a lifestyle highlight, complete with a large recreation room, wet bar, full bath, and additional bedroomperfect for movie nights, guests, or multigenerational living. Outdoors, a private backyard backing to trees creates a peaceful retreat for grilling, entertaining, or quiet evenings under the stars. Tucked away on a quiet street, yet minutes from shopping, dining, and commuter routes, this Waldorf gem offers the perfect balance of serenity and convenience. With its spacious design, versatile living areas, and unbeatable FHA loan assumption, 10465 Sugarberry Lane is the opportunity youve been waiting for.