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VA assumable loan with loan balance close to the purchase price, 4.875%. This fully updated 5-bed, 3-bath home in Otay Ranch is turn-key from top to bottom. Sitting on an oversized 10,516 ft² lot with an outdoor living space that is built for San Diego weather, homes this dialed in don't come around often. The kitchen got a full refresh with new pendant lighting and new appliances, to include an Alexa-connected sound system. (see supp.) Luxury vinyl flooring runs throughout the home, crown molding runs throughout every room, upstairs and downstairs, and every faucet and door handle has been replaced. Windows were upgraded with reflective glass in 2025 for energy efficiency and privacy. A bed and bath downstairs makes the layout flexible for guests or multi-generational use. Step outside to a pergola with speakers, a fire pit area, accent lighting, and smart irrigation — all added or updated in 2025. The oversized lot also has eight fruit trees including apple, lime, fig, guava, orange, blueberries, pomegranate, and apricot. A 240V EV outlet and a new garage door opener are in the 3-car garage. Solar keeps monthly electric bills low — a nice bonus on a home this size. With access to the community pool, clubhouse, top rated schools, and multiple parks everything is designed for convenience and connection.