NO PAYMENTS FOR 12 MONTHS - 3.99% - BRAND NEW NEVER LIVED IN - LOCATION! LOCATION! - NO rear neighbors. Options Options galore, No option expense spared. Energy Star AC sytem, Full face Stone facade up front and wrap around, paver stone driveway, 9' ceiling, 8' slider, Upgraded insulation, Stainless appliances, Custom quartz and backsplash, Extended Custom Cabinets, Filtered water spigot, LED recessed throughout, Fan boxes/ prewired throughout, Expanded sitting shower, upgraded tile down/ upgraded carpet up, Smart Home Package, Flat panel TV pre-wires throughout, custom 2 panel doors throughout, All nickel Moen fixtures/ bathroom accessories, Rheem Tankless water heater, Home backs up to Arroyo walking park so no sharing back wall with another neighbor, Walk to Sprouts, Montessori School. Arroyo Trial park withing 100 feet. Proximate to Durango Casino, Costco, Sams Club, Home Depot, Banks, Best Buy. So much offered for this ideal central location. Take a drive by to see the area and home, you may catch me on site doing a pop-up open house on various days. Seller financing for owner occupant only with 20% down @ 3.99% interest only for 36 months, credit score 650+ with 2 years verified income (no debt ratio looked at but income must be sourced). First year of mortgage payments deferred for 12 months. Taxes, Insurance, HOA is responsibility of new owner. Some photos use AI virtual staging for spacial reference.