ZERO DOWN PAYMENT OPPORTUNITY! This beautiful 3-bedroom, 2-bath home is located in a USDA-approved area, offering qualified buyers the possibility of 100% financing with no down payment! Built in 2020 and exceptionally well maintained, this like-new home is move-in ready and situated in a clean, welcoming neighborhood. Step inside to a bright, well-kept interior featuring recent paint updates, a tankless water heater, and comfortable, functional living spaces. A newer roof installed in 2024 provides added peace of mind. The two-car garage features epoxy flooring, adding a clean, finished touch. One of the standout features is the custom oversized patio, perfect for relaxing, entertaining, or enjoying the outdoors. Situated near the top of the hill, the property offers views toward the lake from the yard. Turn onto Frio Road and you'll see the lake straight ahead! Even better, lake access is approximately a block away, making it an easy walk to the water. Neighborhood amenities include a community pool and two playgrounds, with convenient access to the polo fields and yacht club. Clean, updated, close to the lake, and potentially ZERO DOWN for qualified USDA buyers-3016 Frio Road is ready for its next owner!