Charming, Updated Home with Privacy & Character in Clearlake Oaks - Assumable Loan at 4.125%! Welcome to 12818 E Highway 20, Clearlake Oaks, where timeless charm meets modern comfort! Built in 1930, this delightful 3-bedroom, 1.5-bath home offers approximately 1,080 square feet of inviting living space, filled with character and thoughtful upgrades throughout. Warm, welcoming, and full of personality, this home blends its original charm with modern improvements, creating a comfortable and appealing place to call home. The private setting adds to its appeal, while the fenced backyard provides a wonderful space for outdoor entertaining, gardening, pets, or simply relaxing in your own peaceful retreat. An exceptional opportunity: The existing loan may be assumable at an attractive 4.125% interest rate, subject to lender approval and buyer qualification! This potential financing advantage adds even more appeal to an already charming property. Whether you're searching for your first home, looking to downsize, or seeking an investment opportunity, this Clearlake Oaks gem offers a wonderful combination of character, functionality, privacy, and potential financing benefits. A little vintage charm, modern touches, and a whole lot to love-schedule your private showing today!