Incredible opportunity to own a newer home with zero down financing available in Elkhart. Built in 2022, this affordable 3 bedroom, 2 bath ranch offers 1,299 square feet of modern, functional living in a quiet small-town setting within the North Polk School District. The open concept main level features vaulted ceilings, a spacious living room, informal dining area, and a well-appointed kitchen with stainless steel appliances, ample cabinetry, and a corner window overlooking the fenced backyard. The primary suite includes a private bath, walk-in closet, and linen storage, while two additional bedrooms and a full bath complete the main level. Convenient main floor laundry is located just off the attached 2 car garage. The unfinished basement provides excellent potential for added living space, including a future family room, bedroom, and bathroom, with daylight windows already in place. Exterior highlights include a deck, fenced yard, and 2 car attached garage. Located just 5 minutes from Ankenys shopping and dining and approximately 2030 minutes to Des Moines and Ames, this home offers the perfect balance of affordability, convenience, and room to grow. USDA financing available for qualified buyers.