No money down 100% financing options may be available for qualified buyers. I bring new construction ease to St Johns with a street facing position, low HOA dues, private outdoor space, and the everyday convenience buyers want in North Portland. My main level is designed for real life, with an open kitchen, dining, and living area that keeps mornings, meals, and relaxed evenings connected. Warm cabinetry, stainless steel appliances, solid surface counters, black accent details, and curated lighting create a polished modern feel, while the slider opens to a private fenced patio for fresh air, grilling, container gardening, or a quiet reset at the end of the day. Upstairs, my two bedrooms offer lofty ceilings and comfortable separation, each paired with its own full bathroom so daily routines feel easy and private. Set near the neighborhood energy that makes St Johns so loved, I keep coffee, groceries, local restaurants, shops, Cathedral Park, Pier Park, and the St Johns Bridge within easy reach. Low HOA dues help keep ownership approachable, while a 1 year builder warranty adds peace of mind only new construction can offer. FHA financing may be available, but only through Seller's preferred lender. My list price is for buyers eligible for Portland Housing Bureau's System Development Charge Exemption, an initiative promoting affordable housing across the City of Portland. Eligibility requirements apply.