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35788 Bay Morgan Ln1 / 70 · Click to zoom

About this home

Originally selected as a model home for Horse Creek Ridge, this exceptional residence was designed to showcase some of the builder's most desirable finishes and upgrades, and it still stands apart today. Beautifully appointed and being sold fully furnished, this is a truly turnkey opportunity. An elegant marble-tiled entry opens to a light-filled floor plan with luxury vinyl plank flooring throughout the main level. At the heart of the home is a stunning chef's kitchen featuring an oversized island, quartz countertops with dramatic waterfall edges, a built-in oven and microwave, and a generous walk-in pantry. The open layout flows into the dining and living areas, where a gas fireplace adds warmth and character. A first-floor bedroom offers flexibility for guests, multigenerational living, or a home office. Upstairs, a spacious loft provides additional living space, while the primary suite offers a spa-inspired bath with soaking tub, separate shower, two walk-in closets, and a private sauna. The beautifully designed backyard features a patio with overhead shade sails, an outdoor fireplace, a decorative water fountain, and multiple areas for dining, entertaining, and relaxing. Additional highlights include **FULLY PAID-OFF SOLAR**, a built-in EV charger, and a water softening and filtration system. With its former model-home details, full furnishings, impressive upgrades, and thoughtfully designed indoor and outdoor spaces, this Horse Creek Ridge home offers a rare combination of style, comfort, and convenience.

🏠 HomeFax

Public-record history for this property.

🏷 Last sold$1,005,000 · Oct 2025

MLS #260022658SD

🔥 Risk & insurability

🔥 Fire hazard zoneVery High
🌊 FEMA flood zoneZone X — minimal/moderate flood risk

FEMA National Flood Hazard Layer · CAL FIRE 2024 FHSZ

🧮 Affordability calculator

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Loan term (yrs)
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Estimated total monthly payment
$6,572
Principal & interest$5,304
Property tax$962
Home insurance$306
Down payment: $209,800Loan: $839,200

Estimates only — not a loan offer. Actual rates, taxes, and insurance vary. Talk with your agent and a lender for exact figures.