Don't you wish you could have bought 5 years ago with the lower interest rates?!?  Well, this is your chance...this is a VA ASSUMABLE LOAN at 2.875%!  Don't delay and pass up this opportunity!  Perched along an elevated contour in the foothills of Vista, this beautifully upgraded and meticulously maintained 4-bedroom, 3-bath home offers peaceful hillside living, panoramic views, refreshing breezes, and an exceptionally versatile floor plan. Set on an impressive 16,265+ sq. ft. lot-over one-third of an acre-the property delivers space, privacy, flexibility, potential for ADU and value with OWNED SOLAR, TESLA EV Charging Station AND TESLA POWERWALL, no monthly HOA, and no Mello-Roos. Inside, luxury vinyl plank flooring flows throughout, complemented by an upgraded kitchen with stainless steel appliances, a wood-burning fireplace, central A/C, and a tankless water heater. With 3 bedrooms including the primary and the main living spaces located on the upper level, the home lives much like a single story while taking full advantage of the elevated setting and surrounding views.  The lower level adds even more versatility with its own separate entrance, kitchen, 1-bedroom, full bath, and stackable washer and dryer. It can be closed off from the main residence, creating an ideal setup for extended family, guests, a private workspace, or potential rental income. Each level also offers its own laundry, including a full-size washer and dryer in the garage. Outside, the oversized yard is a standout-more than one-third of an acre with plenty of room to entertain, garden, play, or simply relax and enjoy the peaceful hillside setting. Another major advantage: the property is NOT located within a High or Very High Fire Hazard Severity Zone, an increasingly important consideration for today's buyers and homeowners when evaluating insurance options and ongoing ownership costs. Conveniently located near shopping, schools, and freeways, and within the HIGHLY RATED San Marcos Unified School District, this property offers a rare combination of views, space, flexibility, and everyday convenience.