Seller financing available at 4.99%!! Location, location, location! Located just 3 homes away from the iconic Lunada Bay bluffs, this 4-bedroom, 3-bathroom home is perfectly positioned close to schools, restaurants, and scenic trails. Set back off the street, a large front yard welcomes you. Once inside, a relaxing living room awaits, complete with cozy fireplace and sliding glass doors that lead to a lushly landscaped, private backyard with fire pit and covered patio-perfect for seamless indoor-outdoor entertaining. The flexible floor plan includes an expansive chef's kitchen, open dining area and a cozy family room that could be converted to a formal dining room or office. The entry level also includes direct garage access and a bright powder bathroom. The oversized driveway offers parking for up to six more vehicles. Upstairs, the spacious primary suite overlooks the lush backyard and features a walk-in closet and en-suite bathroom. Three additional light-filled bedrooms and an oversized full bathroom complete the second level. This exceptional lower Lunada Bay home captures the essence of California coastal living-offering comfort, style, and an unbeatable location just moments from the ocean.