Modern comfort meets exceptional community living in this beautifully maintained PUD within Village of Montecito neighborhood of Otay Ranch. Built in 2017, the home offers approximately 1,743 square feet 2 story w/3 beds, 2.5 baths, an attached direct access 2-car garage on 1,850 SF lot, & flexible floor plan ideal for today's lifestyle. Natural light fills the open-concept main level, where laminate flooring creates a warm, contemporary feel throughout. The kitchen serves as the heart of the home, featuring quartz countertops, white shaker cabinetry, SS appliances, large center island w/bar seating, & abundant storage, all while flowing seamlessly into the dining & living areas-perfect for everyday living & entertaining alike. Upstairs, an expansive loft provides exceptional flexibility as a home office, media room, playroom, fitness space, or the potential to create a 4th bedroom. Spacious primary suite features a generous walk-in closet, ensuite bath w/dual vanities, quartz countertops, soaking tub, & separate walk-in shower. 2 additional beds, full bath, & a convenient upstairs laundry room complete the second level. Low-maintenance patio provides a comfortable outdoor space for relaxing, grilling, or enjoying San Diego's year-round climate. Highlights inc shutters, surround sound, a security system, & solar w/battery system on a power purchase agreement (PPA) that will transfer to buyer payment $156/mth. Residents enjoy Montecito's exceptional resort-style amenities, inc multiple pools, clubhouse, parks, playgrounds, basketball courts, state-of-the-art fitness center, open green spaces, & scenic walking paths. Enjoy the convenience of being approximately one block to highly rated Muraoka & Sotomayor Elementary Schools, Meadow Park, & Grove Park. Short drive to Montecito's private recreation center, Otay Ranch Town Center, shopping, Otay Lakes Recreation, Olympic Training Center, dining, & major commuter routes to connect to local Navy bases inc 32nd St/Coronado/Imperial Beach, metro San Diego, & more.