Case study of a DOE Zero Energy Ready home on Whidbey Island, WA, that scores HERS 37 without PV or HERS -13 with 10 kW PV, enough to power the home and an electric car. The two-story custom home has ICF below-grade walls, 6.5-inch SIP above-grade walls, a 10.25-in. SIP roof, and triple-pane windows. The home has a ground-source heat pump provides radiant floor heat plus passive solar heating from large south-facing windows and bare concrete slabs for the first and second floors. Timer and damper-controlled fans bring in fresh air and exhaust hot air for balanced ventilation and night cooling.