Located just across from the public boat ramp and less than 10 minutes from Downtown Blue Ridge, this well-maintained split-level brick home offers a rare opportunity to enjoy the Lake Blue Ridge lifestyle with flexibility, convenience, and room to make it your own - all without HOA fees or restrictions! Inside, the home offers a comfortable, functional layout with the main living spaces centered on the main level, where the kitchen, dining, and living areas come together for everyday living and gathering. Quartz countertops bring a polished touch to the kitchen while maintaining the home's warm, inviting character. Upstairs, two bedrooms and a shared bath provide comfortable accommodations, while the lower level expands the possibilities with an additional bedroom, laundry area, and a flexible living space currently used as a den - ideal for a second living room, game room, office, or guest overflow. Outdoor living adds even more versatility, with a cozy back deck ready for grilling, morning coffee, or relaxing after a day on the lake. A gazebo creates another inviting outdoor gathering spot, while the gently sloping yard offers a mix of open space and mature trees. One of the standout features is the detached tiny home, complete with electricity, finished interior space, and its own small porch - offering incredible flexibility for hobbies, a creative studio, office, game room, or additional guest overflow. Whether you're looking for a full-time home, weekend getaway, or short-term rental opportunity, the location alone is hard to beat with public Lake Blue Ridge access directly across the street and Downtown Blue Ridge just minutes away. A solid, well-cared-for property with room to personalize and enjoy for years to come!