Welcome to Point Fermin, one of the South Bay's last affordable beach communities! Come discover this hidden gem! This home is a 2004 build, featuring 4 bedrooms and 3-1/2 bathrooms in a unique “reverse” floor plan with the living space upstairs to maximize the sunlight and peek-a-boo harbor view. As you enter, ascend the stairs to an open concept living area where the kitchen, living and dining rooms flow seamlessly together anchored by a beautiful fireplace. The kitchen offers abundant cabinet and counter space AND a walk-in pantry for added convenience. Stainless appliances include a 5-burner cooktop, wall oven, dishwasher and fridge. The breakfast bar and adjoining dining room offer plenty of space for casual and formal dining. The living room is ensconced in windows letting in amazing natural light, peek-a boo views of the harbor and the amazing glow of the setting sun. The master suite is also on the upper level and what a delight! This is a true sanctuary, with good-sized sleeping quarters, a huge walk-in closet and a double-sided fireplace which is shared with your over-sized spa tub-a true retreat to take away all the stress of the day. There is a large stall shower, a double vanity with lots of storage and separate water closet. A powder room is also on this level. Downstairs you will find three additional bedrooms. Two are “jack-and jill” style featuring a bathroom with a dual vanity, and tub/shower combo. The 4th bedroom is ensuite with a full bath and a walk-in closet and entry to the backyard. This would make a great in-law or guest suite! The full-sized laundry area is neatly tucked away in the lower hallway, and there is extra storage under the stairs. There is 2-car garage with entry just outside the front door; the driveway can easily accommodate 4 cars. Relax in the cozy backyard where you'll find producing fruit trees. This coastal peninsula is surrounded by water, with the Cabrillo Marina and Cabrillo Beach close by. A short distance away you'll find Friendship Park, the Korean Bell, the “Hey Rookie” pool, and Point Fermin Park where you can walk along the water's edge and enjoy numerous events throughout the year. Look forward to the opening of West Harbor, a $150 million waterfront development opening in Spring of 2026. Shops, restaurants, and an outdoor amphitheater are some of the many things coming our way! A fabulous house, a great community in a quaint little seaside town… what more can you ask for?