Priced to sell & motivated seller! Seller willing to consider offering buyer credit towards rate buy down or closing costs with right offer. Welcome to this beautifully maintained tri-level townhome in the sought-after Village of Montecito in Otay Ranch. Built in 2019 and offering 2,342 sq ft of living space, this VA & FHA approved home is a rare opportunity at $785,000 in Otay Ranch—blending space, style, and flexibility. Featuring 4 bedrooms, 3.5 bathrooms, and a spacious top-floor loft—ideal as a second living room, home office, or potential 5th bedroom—this layout is perfect for growing families, multi-gen living, or remote professionals. The main level offers a bright open floor plan, a modern kitchen with granite countertops, stainless steel appliances, and an oversized walk-in pantry. You'll also appreciate the direct access to the attached 2-car garage with EV charging. Upstairs includes a primary suite with walk-in closet, two secondary bedrooms, a full bath with dual sinks, and a dedicated laundry room. And the magic happens on the third floor—featuring a large loft and a private fourth bedroom with its own full bath, perfect for guests or roommates. Enjoy resort-style community amenities: pool, gym, clubhouse, playgrounds, and scenic trails—just minutes from top-rated schools and parks. This is the one you've been waiting for!