**Rare opportunity: VA assumable loan.** Welcome to Bay Ho, one of San Diego’s most sought-after neighborhoods, minutes from the Beach &#38' Bay. This beautifully updated, single-story home offers 3 beds, 2 baths, and 1,365 sq ft of well-designed living space on a spacious, flat lot. Well maintained by the owner, this home is a true turnkey opportunity. Elegant wood-look porcelain tile runs throughout the home, leading to a spacious master suite featuring a custom barn door closet and ceiling fan. The remodeled master bath showcases a designer walk-in shower with custom tile, a bench &#38' glass doors. The stylishly updated hall bath completes the home’s modern aesthetic. The kitchen is a standout, offering custom stone flooring, a farmhouse sink, stainless steel appliances, and a breakfast bar with a wood countertop. Dark gray stone counters and soft-close white shaker cabinets add contemporary appeal, while the gas range with hood makes this a chef’s dream. The living room centers around a ledger stone gas fireplace, perfect for cozy gatherings. The private backyard is ideal for entertaining, featuring stamped concrete, a covered porch swing, and premium artificial turf. The large lot also offers potential for an ADU or pool. Additional updates include vinyl dual-pane windows w/ shutters, HVAC system, a 2019 roof, rain gutters, new garage door operating system &#38' epoxy garage flooring. Security features include an ADT system &#38' dual Ring cameras (front door &#38' garage). Easy freeway access and close to shopping, schools, and trails, this turnkey home is ready for you to move in.