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Template Five

phil+t5@lofty.com

$780,000

Est. payment - /mo

4 Beds

3 Baths

2,209 SqFt

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UPDATED:

Key Details

Property Type Single Family Home

Sub Type Single Family Residence

Listing Status Active

Purchase Type For Sale

Square Footage 2,209 sqft

Price per Sqft $353

MLS Listing ID CRSW26021865

Bedrooms 4

Full Baths 3

HOA Fees $267/mo

HOA Y/N Yes

Year Built 2022

Lot Size 3,238 Sqft

Acres 0.0743

Property Sub-Type Single Family Residence

Property Description

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.

Location

State CA

County San Diego

Interior

Interior Features Pantry

Heating Central

Cooling Ceiling Fan(s), Central Air, ENERGY STAR Qualified Equipment

Flooring Vinyl

Fireplaces Type None

Fireplace No

Window Features ENERGY STAR Qualified Windows

Appliance Dishwasher, Tankless Water Heater

Laundry Upper Level

Exterior

Exterior Feature Back Yard

Garage Spaces 2.0

Utilities Available Natural Gas Connected

View Y/N true

View Mountain(s)

Total Parking Spaces 2

Private Pool false

Building

Lot Description Back Yard, Street Light(s), Storm Drain

Story 2

Sewer Public Sewer

Water Public

Architectural Style Modern

Level or Stories Two Story

New Construction No

Schools

School District Fallbrook Union High

Others

Tax ID 1085231500

Virtual Tour https://www.zillow.com/view-imx/64eee85a-ee39-4332-b11d-9b203f646eff?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard

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© 2026 BEAR, CCAR, bridgeMLS. This information is deemed reliable but not verified or guaranteed. This information is being provided by the Bay East MLS or Contra Costa MLS or bridgeMLS. The listings presented here may or may not be listed by the Broker/Agent operating this website.

Listed by Ankoma Hose • eXp Realty of Southern California, Inc.

220 Hass Lane Fallbrook, CA 92028