Rare opportunity in Mosaic with NO Metro Taxes, and a very low HOA! This beautifully upgraded 2-story home offers the perfect combination of modern style, low-maintenance living, and exceptional value compared to nearby new construction. Thoughtfully designed with an open and inviting floorplan, the main level features luxury vinyl plank flooring, abundant natural light, a spacious living area with upgraded gas fireplace, and a stunning kitchen complete with quartz countertops, stainless steel appliances, gas range, oversized island, pantry, and stylish finishes throughout. Upstairs, the generous primary suite includes a walk-in closet and private bath with dual vanities and a frameless oversized shower. Two additional bedrooms, loft/flex space, convenient upstairs laundry, and an additional full bath complete the upper level. Unlike new construction, this home already includes the upgrades buyers want most – professionally completed landscaping, fencing, window coverings, patio space, upgraded lighting, and EV charger – saving buyers time and expense after closing. Enjoy all that Mosaic has to offer including neighborhood parks, trails, two community pools, nearby breweries, and convenient access to Old Town Fort Collins, I-25, and outdoor recreation. Sellers are already under contract on their replacement property and are ready to work with motivated buyers.