Enjoy peaceful water views and everyday comfort in this well-maintained 3-bedroom, 2.1-bath split-level home, perfectly situated across from Manitou Creek with access leading right to Fox Lake. Whether you're sipping your morning coffee or unwinding at sunset, the setting offers a relaxing, nature-filled backdrop. A standout feature of this property is that you co-own, along with two neighbors, a portion of the lot directly across the street, complete with a floating pier-perfect for docking your water toys and enjoying easy access to the water whenever you please. Inside, you'll find a functional layout with plenty of space to spread out. The lower level is a true highlight-featuring a cozy family room with a wood-burning fireplace equipped with a fan to help efficiently heat the home, a full bathroom, a dedicated laundry room, and a fantastic bar area complete with a wet bar and mini fridge-perfect for entertaining. Step into the inviting 3-season room complete with a hot tub for ultimate comfort. Outside, the generous yard provides plenty of room to enjoy, along with a great-sized shed for additional storage. Major updates bring peace of mind, including a brand new furnace and water softener (2025), A/C (2016), plumbing redone approximately 6 months ago, and a roof that's only 3-4 years old. Property includes access to a shared waterfront lot (0.0187 acres / 815 sq ft) on Manitou Creek featuring water rights and a floating pier-a great opportunity to enjoy the water. The lot and pier are co-owned with two neighboring owners. There is no formal agreement governing use or maintenance, and arrangements are handled cooperatively among owners. A great opportunity to enjoy space, comfort, and a scenic location-don't miss your chance to call this one home!