Price improvement plus $10k seller credit to buyer. This home is ready for buyers to make their own! Beautiful and rare three story home in the highly sought-after community of Montecito at Otay Ranch. This light-filled 5BD/4BA residence offers over 2,465 sq ft of well-designed living space, featuring a first-floor bedroom and full bathroom ideal for multi-generational living, guests, or extended stays. The spacious third-floor loft adds incredible flexibility for a home office, media room, playroom, or private retreat. Enjoy an open-concept kitchen and living area with modern finishes, abundant natural light, and a solar power system that helps keep energy costs down. Residents of Montecito have access to exceptional resort-style amenities including a pool, spa, fitness center, clubhouse, tennis court, basketball court, bocce ball, and beautiful neighborhood parks.