No HOA! No Mello-Roos! Nestled at the end of a quiet cul-de-sac in Rancho Del Rey, this meticulously maintained 4 bedroom, 3 bath home offers comfort, elegance, and a thoughtful design throughout. The open concept layout features soaring ceilings, abundant natural light, and a seamless flow between the kitchen, dining, and family areas, perfect for entertaining. The kitchen showcases rich wood cabinetry, multi-toned granite counters, stainless steel appliances, a unique shaped large central island with an extension and multiple seating, and pendant lighting that creates a warm, inviting atmosphere and perfect for entertaining. A 2-sided slate tiled fireplace connects the living and family rooms, adding both charm and function. The first floor features elegant tile flooring, a guest half bath, and access to a private backyard with a built-in BBQ, and paved patio designed for gatherings. Upstairs includes generous bedrooms, a convenient laundry room, and a bright primary suite with ample closet space and beautiful views of the San Diego skyline, Bay, and Coronado Bridge. Additional highlights include the only visible 3-car garage in this cul-de-sac, a newer stove and water heater. Close to top-rated schools (Casillas Joseph Elementary School, Rancho Del Rey Middle School and Otay Ranch Senior High School), parks, shopping, and dining, this home combines timeless appeal with everyday convenience. Don't hesitate to make this home yours!