First time on the market! Built in 2021 by Taylor Morrison, this beautifully upgraded tri-level home offers the perfect blend of modern design, flexible living space, and resort-style amenities within the highly sought-after gated St. Cloud community of Ivey Ranch / Rancho Del Oro. Offering 3 bedrooms, 3.5 bathrooms, and approximately 1,724 sq ft, the thoughtfully designed floor plan provides flexibility for today's lifestyle. The first level features a private bedroom and full bath, ideal for guests, a home office, or multigenerational living. The main living area boasts an open-concept layout with upgraded vinyl flooring, recessed lighting throughout, a private balcony, and a spacious kitchen that opens seamlessly to the dining and living areas, creating an ideal space for everyday living and entertaining. A standout feature of the home is the dual-suite upper level, where both upstairs bedrooms enjoy their own private bathrooms, providing added comfort, privacy, and flexibility for family members, guests, or roommates. The spacious primary suite also features a walk-in closet. Selected by the original owner with over $13,000 in builder upgrades, this move-in-ready residence combines modern comfort with low-maintenance living. Residents enjoy resort-style amenities including a Junior Olympic pool, spa, fitness center, clubhouse, playground, and beautifully maintained grounds. Conveniently located near shopping, dining, parks, top-rated schools, CA-76, I-5, and just minutes from Oceanside's beaches, this home offers the best of North County living. Whether you're looking for a primary residence, a lock-and-leave lifestyle, or a newer home in one of Oceanside's most desirable gated communities, this is an opportunity you won't want to miss.