If you are looking for a second home to use prior to retirement you may want to consider a condo close to the beach that you can rent out when you aren't going to be here. The vacation rental market is pretty good and with rates what they are, finding one that meets your budget shouldn't be too difficult. Otay Mesa is not that sort of area. It's primarily single family residential, a little inland of the beach, and not typically suited for vacation rentals.
Oceanside, Encinitas, Solana, LaJolla, Pacific Beach and Mission Beach might be good options for you. Every beach area has a little different atmosphere and more information concerning what you are looking for would help.
If you would like me to set up an MLS search that fits your specific criteria I would be more than happy to do so. This will allow you to see properties that are currently on the market and get updated when new ones become available.
Give me a call or email.