Turnkey living awaits in Otsego's Arbor Creek neighborhood! Freshly painted throughout and updated with new carpet, this immaculate three-level split offers 1,423 finished square feet, three bedrooms and two baths. Vaulted ceilings and oversized windows fill the open main level with natural light, while the kitchen, dining, and living areas flow together for comfortable everyday living and entertaining. Step outside to a freshly re-stained deck overlooking a spacious backyard with a tree-lined border for added privacy and excellent potential for gardens, recreation, or future landscaping. Upstairs, you'll find two bedrooms, including a generous primary with walk-through access to the full bath. The newly finished lower level adds valuable flexibility for a third bedroom, family room, home office, or workout space, along with daylight windows and a convenient three-quarter bath. Additional highlights include a newer roof, a heated and insulated two-car garage, in-ground irrigation, water softener, washer and dryer, and no association fee. Convenient access to I-94, shopping, dining, Albertville Premium Outlets and Otsego's parks and trail system completes this move-in-ready opportunity. Meticulously maintained, thoughtfully refreshed, and truly ready to enjoy.