Seller is offering a rate buy down so you can have your home AND the rate you want where space meets resort-style living in the Village of Montecito, Otay Ranch’s most desirable master-planned community. This spacious home offers modern updates and unmatched amenities—including pools, pickleball courts, tennis courts, parks, and more just a short walk away. Inside, you’ll find a spacious open-concept kitchen, perfect for entertaining, along with generously sized bedrooms and versatile layout options. The third floor functions as a private loft with a second primary suite, ideal for multi-gen living, play space, or a secluded home office. Step outside to your tranquil backyard featuring a covered awning, creating the perfect space to relax or host guests year-round. Built in 2014, this modern home features all the amenities you want including LVP floors, granite countertops, and solar, plus all the space, comfort, and community you need—all in one place.