**2.5% FHA LOAN THAT CAN BE ASSUMED BY ANY BUYER!** Welcome to your dream retreat in the heart of Cardiff by the Sea! Tucked within the sought-after Cardiff Cove community, this beautifully upgraded, move-in-ready home offers the perfect blend of comfort, luxury, convenience, and coastal charm. Step inside to find a light and bright living space featuring gorgeous wood floors, vaulted ceilings, and a stylishly updated kitchen with white cabinetry and stainless steel appliances. Enjoy your morning coffee or evening glass of wine on two private balconies, where sea breezes and peek-a-boo ocean views serve as your daily backdrop. Live just steps from the San Elijo Lagoon's newly enhanced trails, including Annie’s Canyon and the Nature Center, and embrace the outdoors with easy access to the community’s new bike path. Leave the car in your private one-car garage and explore Cardiff’s vibrant culture — from the iconic Seaside Market to beloved local spots like Waverly Restaurant and Lost Abbey Brewery. And when you're ready for a change of pace, the Del Mar Racetrack and miles of sandy beaches are just minutes away. This is Southern California living at its best — coastal, connected, and completely turnkey.