Why wait to build when you can move right into this 2022 ranch in Elkhart? Offering 3 bedrooms, 2 bathrooms, and 1,299 square feet of thoughtfully designed living space, this home combines modern finishes, functional living, and small-town charm within the highly desirable North Polk School District. Step inside to an open-concept floor plan featuring vaulted ceilings, a spacious living room, and an informal dining area perfect for everyday living and entertaining. The kitchen offers stainless steel appliances, ample cabinet space, and a corner window overlooking the fully fenced backyard. The primary suite features a private bathroom, walk-in closet, and additional linen storage, while two more bedrooms and a full bathroom provide plenty of space for family, guests, or a home office. Convenient main-floor laundry is located just off the attached 2-car garage. Downstairs, the unfinished basement offers endless possibilities with daylight windows already in place and space for a future family room, bedroom, bathroom, and additional storage. Enjoy summer evenings on the deck overlooking the backyard, complete with fencing for pets or play. Located just minutes from Ankeny's shopping, dining, and everyday conveniences, with easy access to both Des Moines and Ames, this home offers the perfect blend of affordability, convenience, and room to grow. USDA financing with zero down payment available for qualified buyers.