40 W 21st Street, VA 23225

This is a unique new construction opportunity from Habitat for Humanity for buyers whose household income is @ 80% or lower area median income for Richmond. You get a 1st mortgage & Habitat for Humanity provides an interest-free deferred "silent" 2nd mortgage to reduce the amount needed to finance the purchase up to a max of 40% of the purchase price. Further details can be found in the listing supplements. The buyer does not pay on the 2nd mortgage until they either sell the house or pay off the 1st mortgage. Through Habitat's silent 2nd mortgage, the subsidy essentially makes the price substantially less than the list price! This is creative affordable housing @ work! Low maintenance hardi-plank siding with vinyl/PVC trim & TPO membrane & metal roof. Walk in from the covered front porch to a large living room open to the kitchen with a ceiling fan & high-quality LVP flooring. The eat-in kitchen with space for a table has expansive granite counters, Whirlpool SS appliances, & pendant lights. 1/2 bath, washer/dryer closet, & dual pantry storage adjacent to kitchen. The upstairs landing has LVP flooring, & recessed lights. The large front primary bedroom has LVP flooring, a walk in closet, & en-suite full bath. 2 additional bedrooms are also upstairs each with a ceiling fan, large closet, & LVP flooring. Rounding out the 2nd floor is a full hall bathroom with granite vanity top, dual sinks, LVP flooring, tub/shower combo, & a linen closet. Outside is a composite deck with PVC railings & detached storage shed. Located in the Swansboro/Manchester area of the city, this location is great with easy access to interstates, close to downtown & the river district. Enjoy all the wonderful activities the James River has to offer with Belle Isle, Brown's Island & the James River Park system close by. Enjoy the vibrant local restaurant scene. Don't let this wonderful opportunity to love where you live pass you by. Please see the supplements or ask agent for details about shared appreciation & income & deed restrictions.