This ranch offers a layout and level of flexibility that's hard to find, with the added benefit of being set on the water. The home stands out with four bedrooms and three full bathrooms, creating a setup that works well for everyday living, guests, or anyone needing extra space without stepping into a much larger home. The main level flows naturally, while the finished walkout lower level with daylight windows adds additional living space that stays connected rather than feeling separate. Both main level bathrooms have been improved, including a fully renovated bath with ceramic tile, updated vanity, mirror, and lighting, along with a reworked primary bath that now offers added privacy and a new shower surround. Outside, the lot opens directly to the water, offering a usable shoreline with the opportunity to create a beach-style setting by adding sand. The setting offers a more private feel on the water, creating a space that's easy to enjoy day to day. Major updates have already been completed, including furnace, central air, and hot water tank replaced in 2025, water softener system replaced in 2023, duct cleaning completed in 2025, along with full interior paint. This is a home that works on multiple levels whether you're looking for a functional ranch with extra space, a property to host and entertain, or a setting that offers water access without giving up privacy.