Nestled in the charming Montego Bay community in North OC, this delightful coastal-style home offers a perfect blend of comfort and convenience. Originally built in 2001, with the new second floor and first floor renovations being done in 2019, this detached residence boasts 2,088 square feet of potential, ready for your personal touch. Interior features include 4 bedrooms (2 Master Suites), 4 bathrooms, a den, stainless steel appliances, custom 42" cabinets, granite counters, ceramic back splash, luxury vinyl plank flooring, gas fireplace, tankless hot water heater, and so much more. The low-maintenance lot, spanning 0.08 acres, provides just the right amount of outdoor space for relaxing next to the water. Outdoor features include a boat lift, dock, pier, a covered 1st level deck, and an open 2nd floor deck...all done in maintenance free decking. You'll appreciate the nearby amenities which include 2 inground swimming pools, a kiddie pool, 2 tennis courts, pickle ball courts, a shuffleboard court, a 9 hole mini-golf course, a wildlife sanctuary/park area with pond and blacktop walking/jogging path,and a bayfront boardwalk with 3 fishing/crabbing piers...all for a low hoa fee of $415.00/year!! This property is not just a house; it's a canvas for your future memories. Embrace the opportunity to make this charming residence your own. Call now to schedule your private showing!