Welcome to your dream home in the heart of Otay Ranch with an assumable VA loan @ 5.75%! This beautifully upgraded and private Twinhome offers the perfect blend of space and functionality across three well-designed levels. The main floor is ideal for entertaining, featuring a bright and open-concept kitchen, dining, and family room, along with a powder room. On the second level, you’ll find a spacious primary suite, two generously sized guest bedrooms with a shared full bath, and a laundry room for easy everyday living. The third floor is a versatile retreat - perfect for guests, extended family, or a home office - with its own bedroom, full bathroom, and an open loft that could easily serve as a fifth bedroom, playroom, or media space. Enjoy the privacy of your own yard, an attached 2-car garage, and ample guest parking nearby. As a Twinhome, you benefit from only one shared wall and full land ownership - a rare combination. All this comes with low HOA fees that cover pest control, trash service (including large bin emptying), common area walkway and landscape maintenance, annual tree trimming, and more. Don’t miss this incredible opportunity to live in one of Chula Vista’s most desirable communities - close to top-rated schools, parks, shopping, and dining. Ideally located with easy access to HW-125 and I-805, this home offers unbeatable convenience for commuters and families alike. The community features resort-style amenities, including two sparkling pools, a relaxing spa, a fitness center, an event room, and a barbecue-equipped play area. Families will appreciate being only a 5-minute walk from top-rated schools, Muraoka Elementary and Olympian High School.