Finely chop apple and set it aside.

Combine all pancake batter ingredients and mix until smooth.

Fold apple pieces in until all are coated with batter.

Spray non-stick pan and prepare like a regular pancake.

When done, place on a plate and drizzle with sugar-free syrup or spread on a little butter and sprinkle with a little cinnamon and powdered stevia or some other sugar substitute.