985 Fern Ave

FULLY ASSUMABLE LOAN AT 4.25% FOR ALL BUYERS Coastal charm meets investment potential on this spacious corner lot in Imperial Beach. This single-level home offers a permitted 3BR/1BA layout plus a versatile bonus suite from the former garage - complete with its own entrance, bedroom, bath, and living/sleep space. Ideal for guests, multigenerational living, or rental income. The outdoor area was expanded via a city-approved fence encroachment. The oversized yard is a private retreat with a new concrete lounge and fire pit - great for entertaining or relaxing. Wide frontage and lot design make future planning straightforward, with potential for an ADU and JADU under Imperial Beach’s pre-approved program (buyer to verify). A whole-home water filtration and softener system protects plumbing, fixtures, and appliances, and conveys with sale. Enjoy the laid-back lifestyle minutes from Seacoast Drive and the beach. The coast hosts the SDGirls Run Club and offers surf at IB Pier, plus ice cream shops, beachside cafes, lively indoor/outdoor bars, a dog-friendly beach, and ocean sunsets. Stroll to the monthly Farmers Market at Veterans Park, with playgrounds, picnic space, a soccer field, and the Imperial Beach Library. Or explore the remodeled Egger-South Bay Park and the Bayshore Bikeway - both within walking distance. Off-street parking for two plus abundant street parking. Best of all, an ASSUMABLE LOW-RATE LOAN can reduce monthly payments - unlocking coastal living with growth potential now and for years to come.