Rare opportunity to potentially secure a significantly lower monthly payment than current market financing. This well-maintained single-story ranch home offers 3 bedrooms, 2 bathrooms, an attached 2-car garage, and sits on an approximately 6,800 sq. ft. lot in a desirable family-oriented Spring Valley neighborhood. Enjoy year-round comfort with professionally installed central heating and A/C (2022) featuring Nest WiFi controls and a transferable 10-year parts warranty. Energy-conscious buyers will appreciate the leased Vivint/Sunrun solar system. Seller reports average electric costs of approximately $105/month while maintaining a comfortable 72-degree indoor temperature year-round. Recent upgrades include a Whirlpool washer, dryer, and refrigerator (2025), a Samsung gas range with air fry and convection (2025), and a Frigidaire dishwasher (2026). French doors open to a covered patio, creating a great indoor-outdoor entertaining space. The fully fenced backyard features a 6-foot privacy fence, ample space for pets and recreation, plus potential ADU opportunities (buyer to verify). Additional features include dual-pane windows, ceiling fans throughout, automatic sprinklers, a garage workbench, and storage shelving. Located approximately 1.5 blocks from the elementary school and less than a mile from parks, recreation facilities, shopping, dining, and commuter routes. Move-in ready, with room to personalize, and an exceptional combination of financing, efficiency, location and long-term potential.