Looking for a spacious 5-bedroom home in Derby, KS with a finished basement, 3-car garage AND an assumable VA loan? Welcome to 1100 Summerchase! Located in The Oaks golf course community, this 2022-built home offers 3,337 sq ft of finished living space, 5 bedrooms, 3 bathrooms and a thoughtful split-bedroom floor plan on a .31-acre lot. Step inside to an open, light-filled living space where vaulted ceilings and beautiful wood beams bring warmth and character. An electric fireplace flanked by built-in display shelves anchors the living room, while expansive sliding doors extend the living space outdoors to the covered patio. The kitchen was designed to be the heart of the home, featuring quartz countertops, a large pantry, generous workspace and an open connection to the main living and dining areas. Just off the garage, a convenient landing zone provides a dedicated spot for shoes, bags and everyday clutter. The spacious primary suite offers a true retreat with a large walk-in closet, freestanding soaking tub and expansive walk-in shower. Even better, the main-floor laundry is conveniently positioned between the primary suite and kitchen. Two additional bedrooms and a full bathroom complete the main level. Need more room? The finished basement delivers! Two additional bedrooms, a full bathroom and a large family/rec room provide plenty of flexibility for guests, movie nights, a game room, home office or workout space. A wet bar with refrigerator makes the lower level especially well suited for entertaining. Outside, enjoy the covered patio and fenced backyard, with additional green space beyond the current fence that could potentially be incorporated into the yard. Recently planted evergreens will provide additional separation as they mature. The home also offers easy access to the yard with no more than three steps in any direction. The 3-car garage includes extensive cabinetry for storage and organization, and the home is equipped with a hard-wired security camera system and Ring doorbell. And here's a feature today's buyers won't want to overlook: qualified VA buyers may have the opportunity to assume the seller's 5.25% interest rate! If you've been searching for a 5-bedroom home for sale in Derby, Kansas, with newer construction, a finished basement, 3-car garage and room to spread out, 1100 Summerchase in The Oaks deserves a closer look.