LOW HOA/ LOW TAXES/ AND NO MELLO ROOS. Your own retreat in the heart of San Diego. Welcome to this beautifully maintained 3-bedroom, 2-bath townhome offering of comfortable living space and an open floor plan in the desirable Bay Terraces community. This move-in-ready home features upgraded flooring, soaring ceilings, a cozy fireplace, and central air conditioning. The spacious kitchen is equipped with granite countertops, a custom tile backsplash, stainless steel appliances, and ample cabinet space. Enjoy indoor-outdoor living with a private patio featuring low-maintenance turf, perfect for relaxing or entertaining. Additional amenities include an attached one-car garage, driveway parking, and a full-size laundry area with washer and dryer included. Recent upgrades include a newer roof, newer washer and dryer, newer microwave, newer refrigerator, and newer dishwasher, providing added value and peace of mind. Conveniently located near schools, shopping, dining, parks, public transportation, and major freeways, this home offers both comfort and convenience. Ideally situated just minutes from Downtown San Diego, major naval bases, shopping malls, and freeway access, this home combines location, value, and lifestyle. Whether you're a first-time homebuyer, military family, or investor, this is an excellent opportunity to own a well-maintained property in a central San Diego location. Don't miss your chance to see this beautiful home.