TURN-KEY TRI-LEVEL HOME IN THE HIGHLY DESIRABLE MASTER-PLANNED COMMUNITY OF OTAY RANCH-MONTECITO/MONTERRA! This beautifully maintained 4-bedroom, 3.5-bath home offers a fantastic and versatile open floor plan filled with natural light. The first floor features a private bedroom with a full bathroom-ideal for guests, extended family, a home office, or multi-generational living. Enjoy luxury vinyl plank flooring, stylish ceramic tile in the bathrooms, and carpet, along with central A/C and heat, a tankless water heater, custom window coverings throughout, beautifully upgraded bathrooms, elegant light fixtures, and a spacious 2-car garage. The inviting kitchen features quartz countertops and opens seamlessly to the living and dining areas, creating a spacious, open-concept setting perfect for everyday living and entertaining. Abundant windows bring in plenty of natural light throughout the home. Step outside and enjoy the ample balcony, perfect for relaxing or enjoying your morning coffee, plus a spacious gated front patio/entry area providing additional private outdoor space. Washer, dryer, and all appliances convey, making this an even easier move-in opportunity. Enjoy the Otay Ranch lifestyle with Montecito Park and community amenities within walking distance, including a clubhouse, swimming pool, gym, parks, and miles of nearby biking, jogging, and walking trails. Schools are also within walking distance. Conveniently located approximately 5 minutes from I-805 with easy access to shopping, dining, entertainment, major freeways, and nearby military installations, including Naval Base San Diego and Naval Base Coronado. TURN-KEY, OPEN FLOOR PLAN, GREAT LOCATION, FLEXIBLE LAYOUT, INDOOR-OUTDOOR LIVING, AND FANTASTIC COMMUNITY AMENITIES-DON'T MISS THIS OPPORTUNITY! Homes offering this combination of space, condition, and location are in demand. Schedule your showing today!