Private waterfront living with your own sandy beach, pier, boat lift, and deeded boat ramp access, all with no flood insurance required. Situated on large lot (.80 acre) with water front on protected cove, this property offers a rare combination of usable outdoor space, privacy, and easy water access. Inside, you'll find an open-concept layout with durable LVP flooring, three bedrooms plus a dedicated office, and a functional kitchen featuring stainless steel appliances that convey with the home. The mudroom/laundry area provides excellent storage and serves as the perfect everyday drop zone for busy households. Outdoor features are designed for enjoying the lifestyle this property offers. The covered carport overlooks a fenced, pet-friendly yard complete with established garden beds and a chicken coop that can convey. Just beyond the front yard, enjoy your own private sandy beach with direct access to the water, creating a truly unique waterfront setting. Additional highlights include a covered carport tall enough for an RV or camper, a 30 AMP RV hookup, whole-house Generac generator, and plenty of room for gardening, recreation, and more. A rare opportunity to own a versatile waterfront property that combines practicality, privacy, and outdoor living.