List Price: $785K

Listing Status: Active

Original List Price: $799K

Days on Market: 25

4 Bedrooms · 3 Bathrooms · 2,209 sq ft

Property Type: Residential

Year Built: 2022

Lot Size: 3,238 sq ft

Garage Spaces: 2

Private Pool: Yes

HOA Fee: $267/Monthly

MLS Number: SW26021865

About This Property

Assume a 3.5% FHA Loan — Subject to Lender Approval and Buyer Qualification Built in 2022 and thoughtfully maintained, this modern home in Fallbrook's Citro community delivers one of the most significant buying opportunities in the region: the chance to assume an existing FHA mortgage at just 3.5% interest — a financing advantage that could mean hundreds of dollars in monthly savings compared to current market rates. The open-concept main level flows seamlessly between the kitchen, dining, and living areas, designed for everyday comfort and easy entertaining alike, while a downstairs bedroom and full bath provide exceptional flexibility — perfect for guests, a home office, or multi-generational living arrangements. Upstairs, a spacious loft creates a natural second living space, whether you envision a media room, a dedicated remote-work setup, or additional family room, and the primary suite offers a well-appointed ensuite bath and generous walk-in closet. The fully owned solar system — owned, not leased — delivers meaningful, ongoing savings on monthly electricity costs and protection against rising utility rates, adding long-term value and lowering total cost of ownership from day one. The location is a standout: with direct access to I-15 and Highway 76, destinations throughout the region are all within reach — including Camp Pendleton, North County San Diego, Temecula, Riverside, and Oceanside — while Fallbrook's peaceful, small-town atmosphere awaits when you return home, and the Citro community's position just off the 15/76 interchange makes it one of the most conveniently located communities in the area. Beyond the home itself, Citro's resort-style amenities include 14 miles of maintained trails, playgrounds, parks, bocce ball, a clubhouse, a pool, BBQ areas, dog parks, and a working avocado and citrus grove that residents enjoy throughout the year. Assumable 3.5% FHA financing. Owned solar. Flexible floor plan. Prime North County location. Resort-level amenities — this home checks every box. Loan assumption subject to lender approval and buyer qualification. Equal Housing Opportunity.

Property Photos