****FINAL PRICE REDUCTION! NEED OFFERS BY 7/26 at 7pm.****2.75 ASSUMABLE RATE****PAID OFF SOLAR!*****HUGE PRICE IMPROVEMENT!******* GORGEOUS OTAY RANCH HOME****** The seller is highly motivated and ready to move this incredible home to the right buyer! Opportunities like this are rare, especially with an assumable loan at an unbelievable 2.75% interest rate (ALL qualified buyers may be eligible to assume), creating the potential for substantial monthly savings compared to today's rates. Located on a premium corner lot in the highly sought-after Otay Ranch community, this beautifully upgraded 4-bedroom, 3-bath residence offers the perfect blend of luxury, comfort, and convenience. The open-concept floor plan showcases gorgeous quartz countertops, newer flooring throughout, stainless steel appliances, and a stunning custom fireplace complete with a built-in minibar-perfect for entertaining family and friends. Retreat to the spacious primary suite featuring a large walk-in closet, dual vanities, a soaking tub, and a separate shower. Step outside and enjoy professionally designed front and backyards with premium 100 Pro Turf, custom concrete work, decorative rock, and elegant landscape lighting, providing a beautiful, low-maintenance outdoor living space year-round. Additional highlights include solar for energy efficiency and an unbeatable location just minutes from top-rated schools, parks, shopping, dining, and easy access to major freeways, making commuting throughout San Diego County a breeze. This is more than just a home, it's an exceptional opportunity to own one of Otay Ranch's finest values with a low-rate assumable loan that could save you thousands. Don't wait! homes with this combination of upgrades, location, and financing advantages don't last. Schedule your private showing today before someone else calls it home!