Situated on a peaceful, oversized lot in the desirable Monarch Hill neighborhood of La Costa, this thoughtfully updated property offers a wonderful floorplan with FIRST FLOOR PRIMARY and NO HOA! Step inside to fresh interior paint and new carpeting that enhance the home's light, open feel. The formal living and dining room flows seamlessly into a separate family room anchored by a charming brick fireplace. The kitchen is well-appointed with stainless steel appliances, including a newer dishwasher, refrigerator, and gas range, along with recessed lighting, modern hardware, and a sunny breakfast area. The main level features a downstairs primary suite along with two additional bedrooms, ideal for multi-generational living or work-from-home flexibility. The primary retreat includes sliders to the lush backyard and a spacious bathroom with soaking tub, separate shower, vanity, and a double-sink island. A dedicated laundry room completes the lower level. Upstairs, you'll find two additional bonus rooms (currently used as BRs) and a large loft with a view balcony and powered skylights--perfect as a media room, playroom, or private retreat! The expansive backyard offers a tranquil setting with mature landscaping, new sod, ample patio space, a firepit, and numerous fruit trees, including lime, lemon, fig, pomegranate, almond, banana, and blackberry bushes. A new Wi-Fi-enabled irrigation controller for the six-station system can be easily managed from anywhere. Newer tankless water heater, owned 24-panel solar system, Bluetooth-wired speakers in the family and living rooms. See supp.