10243 Ponds Way, Elko New Market, MN 55020

Sellers are offering up to $10,000 toward a 2-1 rate buydown for qualified buyers, which could lower your monthly payment by hundreds of dollars a month for your first two years in the home. Ask your lender how it could work for you.

Your own backyard getaway in Elko New Market. Step out to a heated in-ground pool with a newer liner, heater, sand filter, and electric safety cover, framed by wide concrete decking and a fully fenced yard with mature evergreens. A cable-rail deck above and a covered patio below (with ceiling fan) give you sun or shade whenever you want it.

Inside, natural light fills the main level. The two-story family room features a wall of windows, gas fireplace, and custom built-in entertainment center, all open to the updated kitchen with a huge center island, quartz counters, tiled backsplash, gas range, stainless appliances, and a patio door right out to the deck and grill. A formal dining room, front living room with bay window, half bath, and main-level bedroom with built-in Murphy bed (great as an office or guest room) round out the floor, with durable luxury vinyl plank throughout.

Upstairs, an open loft overlooks the family room. The primary suite offers a private bath with dual vanity, soaking tub, and separate shower, and two more bedrooms share a full bath.

The unfinished walkout lower level opens onto the pool deck, with a bathroom rough-in, tons of storage, and room to add a bedroom, family room, and equity down the road.

Three-car garage, no HOA, Lakeville Area Schools (ISD 194), and quick access to I-35. Lock in a lower payment and claim next summer by the pool.