5305 Girard Street FHA Assumable Loan available at 5.2% for qualified buyers, huge savings versus today's near 7% rates. Bright, calm, smart, move-in ready home in the sought after Willow Wood community. Body: Welcome to 5305 Girard Street in McKinney. This stunning 2023-built Bloomfield Homes property offers 3 bedrooms, 2 bathrooms, and 1, 860 square feet of thoughtfully designed one-story living. But here's what sets it apart in today's market: qualified buyers can assume the seller's existing FHA loan at just 5.19%, a rate that could save you hundreds per month compared to current financing. Inside, you'll find a dedicated office with French doors and soundproofing, a smart home system controlling the door, thermostat, garage, and sprinklers from your phone, and a private primary suite tucked at the back for maximum privacy. Energy efficient windows, newer HVAC, and major components built in 2023 mean lower maintenance and real peace of mind. Step outside to two covered patios perfect for entertaining, all on a lot with no direct rear neighbor for extra privacy and natural light. You're minutes from a 4-mile walking and hiking trail, a nearby park, and an elementary school just 2 blocks away, plus quick access to HEB, US-75, and downtown McKinney. This is a rare opportunity to lock in a below-market rate on a like-new home in one of McKinney's most desirable communities.