Why settle for a condo when you can enjoy the comfort, privacy, and independence of a full single-family home? Discover 420 S 38th Street, a beautifully updated mid-century bungalow in Richmond’s North & East neighborhood, right on the El Cerrito border. This light-filled 3BD/1BA home features an airy open layout with recessed lighting, a neutral palette, and seamless flow between living spaces. The renovated kitchen boasts white cabinetry, designer tile backsplash, sleek countertops, and stainless steel appliances, while the updated bathroom offers contemporary finishes. Low-maintenance yards provide space to relax or entertain. Conveniently located near Shields-Reid Park, Point Isabel, El Cerrito Plaza, and Berkeley’s 4th Street District, with easy access to I-80/580 and just 7 minutes to El Cerrito del Norte BART, this move-in ready home combines comfort, style, and commuter convenience. Qualified buyers may be eligible for a special financing program offering a low 3% down payment, reduced interest rate, and waiver of mortgage insurance with no first-time buyer requirement.