Tucked away down a private driveway in the sought-after Seminary Overlook community, this Colonial-style estate has been extensively updated with well over $100,000 in recent improvements, and comes with the rare bonus of an ASSUMABLE VA LOAN at 4.75%. With an ADJUSTED PRICE of $1,324,900, this is an even more compelling opportunity to own a meticulously upgraded luxury home in one of Lutherville Timonium's most desirable neighborhoods! Step inside to a dramatic two-story foyer with floor-to-ceiling windows and an open catwalk overlooking the main living space. The kitchen has been fully refreshed with crisp white cabinetry, a designer multi-tone backsplash, dark granite counters, and new Samsung Bespoke appliances, while a remodeled main-level laundry room adds everyday convenience. New hardwood floors run through the main-level bedrooms, and the primary suite has been reimagined into a true retreat, complete with a spacious walk-in closet/changing room and a thoughtfully renovated spa-style bathroom. Beyond the cosmetic updates, the major systems have been replaced too: an upgraded roof backed by a 50-year shingles /15-year labor transferable warranty, new gutters, new windows, an updated electrical system, a new heat pump water heater, and two new high-efficiency heat pump HVAC systems mean the big-ticket items are already handled. Cozy up by either the electric fireplace in the primary bedroom or the classic wood-burning fireplace in the family room, and enjoy flexible living across three finished levels. Outside, enjoy a deck and patio overlooking the wooded backyard with a tranquil creek view. The 0.55-acre lot offers privacy while still keeping you close to top-rated Baltimore County schools (Riderwood Elementary, Ridgely Middle, Dulaney High) and easy access to shopping, I-83, and I-695. Schedule your private tour today!