Tucked away on a quiet cul-de-sac in the heart of Clover Hill, this beautifully maintained 3-bedroom, 3-bath rancher offers the perfect blend of space, privacy, and convenience - situated on a .63-acre fenced lot with mature trees and no HOA or city taxes. Step inside to discover gleaming wood floors throughout the main level and a bright, traditional floor plan. The gourmet kitchen boasts upgraded granite countertops, stainless steel appliances, and an area for casual dining. A separate formal dining room, elegant living room, and a warm, inviting family room with a gas fireplace provide multiple spaces for both entertaining and everyday living. The main level includes a spacious primary suite with a private bath, two additional bedrooms, a second full bath, and a convenient laundry room with access to the screened-in back porch and attached garage - offering both function and flexibility, all on one level. The finished lower level expands your living space with a generous rec room and game room, a third full bath, a kitchenette with sink and refrigerator, a utility room, and a large unfinished area perfect for a workshop or storage. This flexible layout is ideal for hobbies, guests, or multi-generational living. Enjoy the outdoors year-round with the spacious screened-in porch. The beautifully landscaped backyard is fully fenced in and includes a large storage shed. The home sits on a level lot with no through traffic and offers easy access to downtown Frederick, parks, schools, shopping, and commuter routes.