Assumable 2.75% loan for VA buyers. Welcome home to the exclusive Village of Montecito nestled in Otay Ranch! This stunning single family home offers a spacious open floor plan perfect for modern living. The chef's kitchen features granite countertops, stainless steel appliances and walk-in pantry. This home boasts a fully paid off solar array, attached 2-car garage, upstairs loft, private yard, covered patio, laminate flooring downstairs & upstairs laundry. Stay comfortable year-round with central A/C. Enjoy Village of Montecito amenities such as the sparkling pool, clubhouse, fitness center, sport courts, parks and playgrounds. Convenient to all and walking distance to the highly rated Muroaka Elementary and Otay Ranch High School.