Unlock incredible value in The Dunes with this 4-bed, 3-bath coastal gem. Perfectly designed for multi-generational living, the floor plan features a sought-after ground-floor bedroom with full bath adjacent. The heart of the 2,430 sq. ft. interior is a gourmet kitchen boasting granite and quartz counters, a gas cooktop, built-in self-cleaning oven, and a large center island. The open-concept living area is anchored by a gas fireplace and high ceilings, flowing into a bright dining space. Future-ready features include a 2-car garage with an EV charger, a tankless water heater, and Energy Star appliances. Upstairs, find a convenient laundry room and a luxurious primary suite with an oversized soaking tub. Located in the Monterey Peninsula Unified district, you are minutes from the beach, trails, and shopping. Combining modern luxury with a legacy interest rate, this is the smartest investment on the Peninsula. For eligible veterans, consider the amazing opportunity to assume an existing VA loan at 2.375%, significantly reducing the overall interest rate. Don't miss out!