Seller is open to a credit! Welcome to 12144 North Ave, a quiet country property located on a peaceful road in Loma Rica. This gated, fenced, and cross-fenced property sits just under an acre and features a year round pond and creek-an extremely rare combination at this price point. The 1,670 sq ft home offers 3 bedrooms and 2 bathrooms, with updates completed over the years including a new roof in 2024, dual pane windows, durable concrete Hardie board siding, and a wood burning fireplace. A large laundry and storage room sits off the kitchen and provides direct access to a private deck and fenced yard-ideal for dogs. Multiple outbuildings offer plenty of storage or workspace. Enjoy outdoor living with a rear patio and a massive front deck perfect for entertaining. Properties with land, water, privacy, and usability like this rarely come available for under $400,000. $3500 new insurance quote on hand!!