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