Rare opportunity in Jacobs Heights! Located in one of Gallatin's most established and sought-after neighborhoods, this well-cared-for home offers the charm of a mature community with the convenience of easy access to shopping, dining, schools, and everyday amenities-and best of all, NO HOA. Homes in this area rarely come to market, making this a special find for buyers seeking both location and flexibility. Lovingly owned for 25 years, this home has been meticulously maintained and is ready for its next chapter. The floor plan is ideal for family living, with all 3 bedrooms upstairs and 3 full baths, 2 upstairs and 1 downstairs. The formal living room offers excellent flexibility and could potentially be reimagined as a main-level primary suite if desired. A separate bonus room provides a quiet space away from the main living areas, perfect for a young adult, home office, media room, or hobbies. Outside, the partial basement with an exterior entry adds valuable storage and future potential for a storm shelter or a workshop. Set in a friendly, welcoming neighborhood where homes are rarely for sale, this property is a wonderful opportunity to enjoy established Gallatin living with room to make it your own.