Buy with 3.5% down”, ”FHA approved property” and ”rates in the 5% range with my in-house lender. Seller negotiable! Vacant -Rarely available 4-bedroom, 2.5-bath townhome in the gated community of Monterey Bay. This is the only unit in the community featuring a fourth bedroom, offering additional space for a home office, guest room, or den. Vacant and move-in ready, this home boasts an open floor plan, abundant natural light, and modern finishes throughout.Key Features:Unique 4-Bedroom Layout – The only one of its kind in Monterey Bay.Open-Concept Living Area – Spacious and bright with tile flooring throughout the main level.Upgraded Kitchen – Granite countertops, stainless steel appliances, and ample cabinet space.Primary Suite – Walk-in closet and en-suite bath with dua