No money down - 100% financing options available! HOLTE Program eligible which means huge savings on property taxes! Brand NEW w/ warranty! Welcome to your thoughtfully designed Montavilla oasis! This charming home offers 4 bedrooms and 2.1 bathrooms, and seamlessly blends modern comforts with inviting spaces. Step inside to find an open concept floor plan where expansive windows and lofty ceilings create a light and bright ambiance. The heart of this home is the kitchen, featuring a generous eat bar island, warm cabinetry, gleaming stainless steel appliances, and stunning tile work. It effortlessly opens to the dining area and a spacious living room, where a slider leads to a private, fenced yard—perfect for outdoor enjoyment. The main level also includes a versatile 4th bedroom, ideal as an office or a flexible space to suit your needs. Upstairs, the primary suite awaits with a walk-in closet and a luxurious bathroom complete with a shower and tub. Two additional spacious bedrooms and a second full bathroom round out the upper level. Enjoy the convenience of being close to coffee shops, shopping, and dining options, as well as easy commuting. This home is the perfect blend of comfort and practicality in a vibrant neighborhood! (List price is subject to the buyer qualifying for the Portland Housing Bureau - System Development Charge exemption program/HOLTE to promote affordable housing in Portland, call for more info.)