Surrey Farm Spanish Monterey Masterpiece! Discover an exceptional Spanish Monterey residence in the highly sought-after Surrey Farm neighborhood of Ladera Ranch—an elegant three-level home where timeless architecture meets thoughtful, high-end modernization and resort-style community living. Featuring classic Spanish Monterey character, this home offers a warm stucco exterior, beautiful wood balcony, and graceful architectural detail throughout. From the abundant windows to the French doors and inviting spaces, natural light floods the interior and creates a seamless connection between indoor comfort and outdoor living. On the first level, enjoy a thoughtfully designed living space with a separate kitchen featuring complete remodeling with an updated, functional layout that maximizes the room's potential. The dining area is surrounded by windows, while the living room offers a fireplace and French doors that open to the enclosed private yard. The main-floor guest powder room includes a pedestal sink, a leaded glass privacy window, and convenient under-stairs storage. Second & Third Levels Upstairs, the landing includes built-in cabinetry and a dedicated tech desk, plus a full-size laundry room with newer doors. The primary suite features French door entry to the spacious wrap-around balcony and a generous walk-in closet. The suite bathroom is designed for relaxation and everyday luxury with dual vanities, a Japanese soaking tub and a private toilet room. Two secondary bedrooms share a jack-and-jill bathroom, while the rare third-floor private loft—accessible via its own staircase—serves as a stunning fourth bedroom retreat with built-in wardrobe systems, a custom bench, and unobstructed hill views. This is the only Surrey Farm third-floor loft home not facing a street. The wrap-around balcony is designed for outdoor enjoyment, with spacious seating areas and lighting—perfect for morning coffee, sunset views, and entertaining Surrey Farm is known for its pocket parks and outdoor recreation, located conveniently between the Botanica Trail (disc golf) and Western Ridge hiking and biking trails. A Turnkey Opportunity with extensive upgrades, modern luxury finishes, and a standout architectural setting, this home is ready to enjoy immediately—offering the perfect blend of privacy, comfort, and elevated living. Privacy, Corner Lot, Greenbelt Location