Welcome to 3631 Via Bernardo, a bright and beautifully upgraded home in the highly desirable Terra Mar community of Oceanside. This 4 bedroom, 3.5 bathroom property offers modern farmhouse style with white shaker cabinets, quartz countertops, luxury vinyl plank flooring, brand new carpet, and abundant natural light from the updated dual pane windows and wide patio doors. The open concept kitchen shines with its white cabinetry, sleek quartz counters, stainless steel appliances, and a charming sink window overlooking the private backyard. It opens seamlessly to a cozy living room with a built-in bar area, creating an inviting space for both gatherings and everyday living. Step outside to a low maintenance retreat featuring pavers, turf, a pergola, a modern fire pit, and mature landscaping. The yard backs to a lush green embankment, enhancing privacy and offering a serene backdrop. One of the larger yards in the neighborhood. Upstairs, you'll find all four bedrooms plus a spacious loft perfect for a home office, media room, playroom, or potential fifth bedroom. The primary suite includes a sitting nook, a private deck, a walk-in closet with built-ins, and an airy layout filled with soft natural light. The upstairs laundry room adds convenient function to the floorplan. Additional upgrades include fully remodeled bathrooms, energy-efficient windows, upgraded aluminum patio doors, and a brand new A/C system for year-round comfort. Residents of Terra Mar enjoy low HOA amenities including playgrounds, greenbelts, a sparkling pool, spa, and clubhouse. With close proximity to Calavera Hills hiking trails, top-rated Madison and Lake Schools, shopping, dining, and quick access to the 78, this home delivers style, space, and an incredible North County lifestyle.