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2521 Bill Bone Lane, Oskaloosa, IA 52577.
Nearly new 3-bedroom, 2-bath ranch on a half-acre lot with bonus cottage! Built in late 2023, this home offers modern living with an open layout, a full kitchen featuring all appliances, and an oversized island perfect for gathering. The primary suite includes a spacious walk-in closet and a private bath with a large shower. Main-floor laundry and mudroom add everyday convenience with additional cabinetry and a utility sink. Step outside to a custom wraparound deck and a fully vinyl privacy-fenced yard, plus an additional interior dog run?ideal for pet owners. The 24x24 two-car garage provides ample storage and functionality. A standout feature is the detached mother-in-law cottage, complete with its own shower, kitchenette, on-demand water heater, and mini-split HVAC. Perfect for guests, extended family, a college student, or easily converted into a workshop or studio space. The home also includes a full ICF (Insulated Concrete Form) basement, offering superior energy efficiency, moisture resistance, and year-round comfort?cool in the summer, warm in the winter. With egress windows and the ability to finish without traditional framing, the basement provides excellent potential for additional living space. Located just outside city limits, enjoy the privacy of country living with the convenience of being close to town. New septic system sized to support both structures. Remaining manufacturer warranties add peace of mind.
MLS ID: 6337973
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2521 Bill Bone Lane, Oskaloosa, IA 52577.

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| Loan Type | 30 Year Fixed | FHA 30 Year Fixed | 15 Year Fixed |
| Purchase Price | $312,800 | $312,800 | $312,800 |
| Down Payment | $62,560 | $10,948 | $78,200 |
| Monthly Mortgage Amount | $1,500 | $1,841 | $1,932 |
| Taxes | $435 | $435 | $435 |
| Insurance | $100 | $100 | $100 |
| HOA/Dues/Fees | $0 | $0 | $0 |
| Monthly Mortage Insurance | $0 | $138 | $0 |
| Monthly Estimated Total | $2,035 | $2,514 | $2,467 |