Enjoy year-round waterfront living with no flood insurance required! This 3 bedroom, 2 bath ranch features multiple bonus rooms including a possible 4th bedroom, office, and a stunning glass sunroom with custom shades. Enjoy energy savings with solar panels and a back up generator. Custom pantry, granite countertops, quarter sawn oak floors, and open-concept living enhance the home's function and charm. Outside, relax by the koi pond or launch from your private shoreline. Three garages provide abundant storage for vehicles, hobbies, or waterfront toys. A rare, move in ready retreat combining lifestyle, flexibility, and peace of mind.