916 Gates St ***This home has an assumable FHA mortgage option for qualified buyers. Interest rate is %3.75*** Welcome to this charming 3 bedroom, 1 bath Colonial located in Valley View Estates neighborhood of Phillipsburg. This classic home offers a warm and inviting layout with timeless character and plenty of natural light throughout the living spaces. Inside, you'll find comfortable living areas, a functional kitchen, and three bedrooms upstairs. The traditional Colonial layout provides both charm and practicality, making it easy to envision your own personal touches and updates. Step outside and enjoy the yard, perfect for relaxing, gardening, or entertaining during the warmer months. Valley View Estates is one of Phillipsburg's most well known neighborhoods, originally developed in the early 1920s and known for its classic homes, mature trees, and charming streets. The community has maintained its character over the years while offering convenient access to local shops, restaurants, Easton, and major commuting routes. Whether you're a first time buyer, downsizing, or simply looking for a home in a neighborhood with history and charm, this Valley View Colonial is a wonderful opportunity to make your own.