New construction by Builder, completed 2026, on a private 0.23-acre lot in Phifer Crest with no HOA and no dues. Three bedrooms, two full baths and a half bath, all on a single level. Full brick and vinyl exterior, architectural shingle roof, slab foundation. The kitchen features a center island and a full appliance package that conveys: refrigerator, electric range, microwave, dishwasher and disposal. Vinyl flooring throughout, laundry in the hall, and pull-down attic stairs for storage above. One-car attached front-entry garage with a concrete driveway, plus a rear patio. City water and city sewer, electric heat and central air, publicly maintained street inside Concord city limits. Cash, conventional, FHA and VA financing all considered.