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 Ankeny's shopping and dining and approximately 20-30 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.