ASSUMABLE LOAN at 2.25%!!!! This stunning 4-bedroom, 2.5-bathroom home is a true gem, showcasing exceptional design and attention to detail. Located in the heart of the Village of Montecito, it offers the perfect blend of comfort, functionality, and luxury. Step inside to an expansive open floor plan featuring elegant wood flooring throughout the main level, huge kitchen island with quartz countertops, marble backsplash, stainless steel appliances, stylish pendant lighting. The spacious primary suite offers a serene retreat with a large soaking tub, separate shower, and generous storage. Energy-efficient solar panels and a low-maintenance backyard make for easy living—perfect for outdoor BBQs, kids, and pets. Enjoy access to outstanding community amenities, including the Montecito Clubhouse, resort-style pools, fitness center, tennis and basketball courts, soccer fields, and a playground. Ideally situated—just minutes from Otay Ranch Town Center, where you’ll find shops, dining, and entertainment. Highly rated schools are within walking distance, and the neighborhood offers a welcoming, family-friendly atmosphere designed for connection, recreation, and convenience.