USDA eligible! No down payment, just closing costs with USDA financing. All warranties transfer to the Buyer! Come check out this beautiful newly constructed home in the Ovations community of Clayton. This Columbia model Ryan home is loaded with upgrades and sits on a premium lot backing to community pond and gazebo! Upon entering this lovely home you will notice the 2-panel doors with brushed nickel lever handles and Luxury Vinyl Plank flooring. LVP is also in the kitchen, baths and laundry area. The great room, bedrooms and basement are carpeted with a neutral color. The study, adorning french doors, is perfect for working from home, or use as a flex space. Passing by the study you will be greeted by the beautiful kitchen with eating nook and the great room. This is the perfect spot to entertain friends and family! The kitchen has an oversized island with Quartz countertops, 42" white cabinets, large pantry, stainless steel appliances, smooth surface range, built in wall oven and microwave… holiday dinners and baking will be a breeze with both ovens! Upstairs you have 4 generously sized bedrooms. The main bedroom has a HUGE walk-in-closet and a private bath with double bowl vanity, tile surround soaking tub & walk-in-shower with bench seat. You will love the upstairs laundry with shelving and the front loading washer and dryer on pedestals! Looking for a little extra space, check out the finished basement! Downstairs is a large family room that can be used for many things, including game room, or home theatre… whatever your needs may be. The home is equipped with 2- zone smart thermostats and tons of recessed lighting throughout. You will never run out of hot water with the Tankless Hot Water system! The outside exterior has a charming front porch, carriage style garage door and beautiful stone water table that gives this home great curb appeal. The 2-car garage has epoxy painted floor and the garage opener with remotes & keypad have already been installed! All the warranties transfer to the new owner, including the 10-year structural warranty. Lawn mowing is included, which will free up a lot of your time to do the things you love! The community is close to the area's conveniences. You are only minutes away from dining, shopping, and recreation! Also walking distance to the community playground. Some photos have been virtually staged.