VA ASSUMABLE LOAN 3.375% | SPACIOUS FRONT YARD Welcome to this beautifully maintained 5-bedroom, 3.5-bath home in the highly sought-after Village of Montecito at Otay Ranch. Built in 2018, this 2,476 sq. ft. residence features a bright open-concept floor plan, a gourmet kitchen with quartz countertops, stainless steel appliances, a large center island, and abundant cabinetry—perfect for everyday living and entertaining. Upstairs you'll find five spacious bedrooms, a versatile loft, a full laundry room, and a generous primary suite with a walk-in closet and spa-inspired bath. A rare, spacious front yard provides exceptional outdoor space for relaxing, entertaining, gardening, or play. Residents enjoy resort-style amenities including pools, a state-of-the-art fitness center, parks, playgrounds, and scenic walking trails. Ideally located near highly regarded schools, Otay Ranch Town Center, shopping, dining, and major freeways, with an easy commute to Naval Base San Diego, Naval Base Coronado, and downtown San Diego. Rare opportunity to assume an existing VA loan with an approximate 3.375% interest rate, subject to lender approval, buyer qualification, and VA assumption requirements. Buyers should consult their lender regarding eligibility and financing options. Excellent opportunity for buyers seeking below-market financing and long-term value.