This is not just a home—it’s a financial win, priced at $999,900 to draw attention and designed to deliver over $150,000 in long-term value through energy savings and recent improvements. A 2/1 rate buydown or closing cost credit may be available with an acceptable offer. Depending on loan structure and down payment, the rate buydown could save the buyer between $24,000 and $27,000 in interest payments over the first two years. Terms are negotiable based on offer structure. The fully owned 7.67 kW solar system, installed in 2021, offers estimated utility savings of $4,500 to $6,000 per year. These are built-in monthly savings from day one—no lease, no additional cost. More than $120,000 in major upgrades have already been completed, including: Roof and solar installation in 2021 at a cost of $60,221; Fire-hardened siding and exterior improvements in 2022, totaling $35,000; Retaining wall rebuilt in 2021 for approximately $12,000; New HVAC system installed in 2022, including heat pump, A/C unit, and all new ductwork, valued at $14,900. These improvements are structural, energy-efficient, and designed to reduce long-term costs and future maintenance. The home offers privacy, natural views, and a flexible layout ideal for multigenerational living or work-from-home setups. Located minutes from Steele Canyon Golf Club, Jamul Casino, hiking trails, and equestrian-friendly terrain, this property offers the best of rural peace with quick access to modern amenities. No HOA. No Mello-Roos. Major systems are done. Utilities are low. Value is built in.