Rare Opportunity to Save BIG on Your Monthly Payment! Take advantage of a 1% interest rate reduction on ANY loan program - FHA, VA, or Conventional - with ZERO cost to you! Lower monthly payments, and no extra fees. Welcome to 20864 Center St, located in the desirable Spring Mountain Ranch community of Riverside. This modern, turnkey, single-story 4 bed, 3 bath home built in 2018 offers nearly 2,900 sq ft of open-concept living on a spacious 10,000+ sq ft lot. NO HOA. Designed for today's lifestyle, it features a true open floor plan, wide hallways, an additional flex room, stylish LVP flooring, custom lighting fixtures throughout, ceiling fans, recessed lighting, solar panels for energy savings, and low-maintenance front and backyard landscaping for effortless living. The gourmet kitchen showcases custom upgrades, upgraded quartz countertops, a large center island, stainless steel appliances, and a walk-in pantry perfect for entertaining or everyday use. The primary suite is thoughtfully separated from the other three bedrooms for added privacy and features a redesigned bathroom with custom finishes and a spacious walk-in shower beautifully upgraded beyond the builder's standard design. Enjoy a covered patio perfect for outdoor dining or gatherings, large windows that flood the home with natural light, and a private backyard with no rear neighbors, ideal for relaxing or taking in the mountain views. Additional highlights include a tankless water heater, energy-efficient systems, and a spacious 3-car garage. Nestled in Spring Mountain Ranch, a quiet neighborhood just a short distance to Spring Mountain Ranch Park with easy access to local schools, Loma Linda University Medical Center, UC Riverside, and downtown Riverside. Close freeway access to the 215, 60, 10, and 91 freeways makes commuting to a variety of areas convenient and efficient. This move-in-ready Riverside gem perfectly blends elegance, comfort, and modern design in a desirable single-level layout.