Rare opportunity to purchase a spacious 3-bedroom, 3.5-bath tri-level townhome in Santee with an existing VA loan that may be assumable, subject to lender approval and buyer qualification. This favorable financing option may help qualified buyers manage monthly payments while upgrading to a larger home. The home offers approximately 1,587 sq ft of living space with a flexible layout, including a private entry-level bedroom with full bath, open main living area, dual balconies, and an attached two-car garage with direct access. Cosmetic updates such as paint and flooring are needed, presenting an excellent opportunity to personalize the home. Located in the gated Morningside Community with resort-style amenities including a pool, spa, BBQ area, and gated entry, all maintained by the HOA. Convenient access to Santee Lakes, Mission Trails Regional Park, shopping, dining, and major freeways. Seller has an existing VA loan that may be assumable at a favorable interest rate, subject to lender approval and buyer qualification. Buyer to verify all terms and eligibility.