VA ASSUMABLE 3.75% INTEREST RATES. Welcome to this stunning home located in the highly sought-after, master-planned community of Cota Vera. This spacious residence offers 4 bedrooms, 3 bathrooms, and 2,012 square feet of thoughtfully designed living space. As you enter, you're greeted by an open-concept layout that seamlessly connects the living room, dining area, and kitchen perfect for modern living and entertaining. A convenient downstairs bedroom offers flexible use as a guest room, home office, or bonus space. The kitchen opens to a charming patio, ideal for enjoying your morning coffee or a relaxing evening glass of wine. Upstairs, a generous loft provides a versatile area for movie nights, a playroom, or casual gatherings. The expansive primary suite features a spa-inspired bathroom, creating a peaceful retreat. Two additional upstairs bedrooms offer comfort and ample space for family or guests. Enjoy resort-style amenities at The Orchard Clubhouse, which features a state-of-the-art fitness center and a sparkling pool. Nearby schools are within walking distance, adding ease for families with children. Outdoor enthusiasts will love the close proximity to Otay River Valley and Otay Lakes, offering open green spaces, picnic areas, hiking and biking trails, and year-round outdoor adventures. Centrally located with convenient access to freeways, beaches, grocery stores, weekend markets, and downtown San Diego, this home truly has it all. Additional features included stainless steel appliances, PAID SOLAR PANELS, WATER SOFTENER and an EV charging station blending style, comfort, and sustainability.