WELCOME HOME to 282 N Paloma! This charming 2-bedroom, 2-bath home is located on owned land in the highly desirable 55+ community of Cottonwood Estates. Built on a permanent foundation, this property qualifies for Conventional, FHA, and VA financing—a rare and valuable advantage that expands buyer opportunities and provides long-term peace of mind. Enjoy the benefits of a well-maintained neighborhood featuring exceptionally low HOA dues (approximately $50 per year) and low property taxes, making this home as affordable as it is inviting. Ideally situated near shopping, dining, and with easy access to the Ramona Expressway, commuting to surrounding cities is a breeze. Offering a perfect blend of comfort, convenience, and financing flexibility, this is an opportunity you don’t want to miss. Schedule your private showing today!