Located on 195 Elm Street in Jefferson, this 4-BR, 3-BA home is not part of a subdivision and comes without mandatory HOA fees. Inside, the layout is designed for modern daily living with generous gathering spaces and private retreats. A bright, open kitchen offers generous workspace, storage, and a direct view into the main gathering spaces. The main living areas are filled with natural light and provide an easy flow for hosting friends or enjoying quiet evenings at home. The outdoor space includes approximately 0.319 acres, ideal for gardening, outdoor activities, or simply enjoying the seasons. With parking available for multiple vehicles, the home provides flexible options for families and visitors. Set outside of a formal subdivision, this address in Jefferson offers a more independent feel with no mandatory HOA. Recently listed and already on many buyers radar, this home is a fresh opportunity. At $649,000, this home is well positioned for buyers seeking value in Jefferson.