Rare three-story sanctuary with a first-floor bedroom and bathroom, plus a spacious top-floor loft! Perfect for multi-generational living or your dream home office!  This is an open, light-filled 5-bedroom, 4 full bathroom home in the heart of Montecito at Otay Ranch. Designed for flexibility and comfort, this three-story layout includes rarely found space-ideal for a guest suite, office, playroom, or private retreat.  Enjoy 2,465+ sq/ft of thoughtfully designed living space with modern finishes, an open-concept kitchen and living area, and plenty of natural light throughout. This home also features a Tesla solar power system with a Power Purchase Agreement, helping you save on energy costs.  Qualified buyers may be eligible to assume the seller's VA loan, offering a lower interest rate and significant long-term savings.  Outside your door, enjoy all the benefits of Montecito living: access to resort-style amenities including a swimming pool, spa, fitness center, clubhouse, tennis court, basketball court, bocce ball, parks, and playgrounds. You're also just minutes from Otay Ranch Town Center, top-rated schools, dining, shopping, and scenic trails.  This is more than a home-it's a lifestyle in one of Chula Vista's most sought-after neighborhoods.