Charming Ranch Home with Rare No-HOA Perks in the Heart of Clayton! Welcome to 408 E Stewart Street—a delightful and beautifully maintained ranch-style home nestled in an established Clayton neighborhood with no HOA! Rarely do you find such a gem featuring a full unfinished basement and timeless charm throughout. Step inside to discover original hardwood floors in the living room and bedrooms, adding warmth and character to the home. The spacious living room presents a stunning electric fireplace inset into a classic wood-burning fireplace, framed by a large picture window that floods the room with natural light and offers a serene view of the blooming rose bushes in the front yard. Just off the living room is a versatile enclosed carport—perfect as a home office, playroom, gym, or whatever suits your lifestyle. The expansive kitchen is a standout with sleek LVP flooring, brand-new three-piece appliances, ample cabinetry, and a large window overlooking the private backyard and deck—ideal for morning coffee or weekend barbecues. Retreat to the spacious owner's suite featuring a large walk-in closet, a private full bath, and a spa-like ambiance that invites relaxation. Two generous secondary bedrooms are tucked near a full hall bath, perfect for family or guests. Outside, enjoy the benefits of a flat, fenced-in backyard—a true outdoor oasis ready for entertaining, gardening, or peaceful evenings under the stars. Whether you're a first-time buyer or looking to downsize with style, this move-in-ready home offers comfort, space, and flexibility—all without the restrictions of an HOA. 📍 Don't miss your chance to own a piece of Clayton charm with unbeatable value and potential.