RARE FIND! VA ASSUMABLE LOAN at 3.875%! Incredible opportunity to own this beautifully designed home on a quiet cul-de-sac in a wonderful community. The thoughtful interior offers 2 spacious living areas downstairs, while the upper level features 4 generous bedrooms and a versatile loft landing ideal for a home office. Enjoy elegant plantation shutters that bring a polished, cohesive look to every room and the convenience of dual closets in the primary suite. Outside, the charming front porch and covered back patio overlook a low-maintenance turf yard, perfectly paired with leased solar at a fixed payment for predictable energy costs. Beyond the home, you’ll enjoy a vibrant, walkable community with a remarkably LOW HOA! The location is unbeatable for convenience, situated around the block from Vista Pacifica Park and minutes from Otay Ranch Mall, North Island Credit Union Amphitheatre, and Sesame Place. Don’t miss your chance to own this exceptional home!