No money down, 100% financing options available! Discover thoughtfully designed new construction in the heart of St. Johns, where modern finishes, efficient use of space, and everyday convenience come together. Unlike many other new construction homes, this is not a condo and has no HOA. You own the underlying lot outright and have no additional monthly dues to worry about. Built by a multi-year Street of Dreams builder and Builder of the Year award winner by the Home Building Association, this detached home reflects a commitment to quality craftsmanship and elevated design. Step inside to an open main level filled with natural light, where the living and dining areas flow seamlessly into a beautifully finished kitchen with warm cabinetry, solid surface countertops, designer tilework, sleek black accents, stainless steel appliances, and an eat bar. A sliding glass door extends the living space outdoors to a private fenced yard, creating an easy setting for pets, gardening, outdoor dining, or quiet evenings at home. Upstairs, lofty ceilings and expansive windows enhance both bedrooms. The primary suite offers a private ensuite bathroom, while the second bedroom provides flexibility for guests, a home office, or additional living space, with another full bath nearby. Enjoy the connected St. Johns lifestyle near Daydreamer Coffee and Public House, Taqueria Flores, El Coyote, Over Easy, Susy’s Carniceria, City Food Market, Northgate Park, and Fred Meyer. A one year builder warranty provides added peace of mind. My list price reflects buyer eligibility for the Portland Housing Bureau System Development Charge exemption program, a City of Portland affordable housing initiative designed to support more accessible new construction housing for qualifying buyers.