Rare private waterfront retreat in Montgomery with a 1.61 tax rate and Lake Creek High zoning. This serene 4BR, 2.5BA, 2,376 SF home offers quality construction on a 15,516 SF forested lot overlooking a quiet private lake in 177 Lake Estates—an ideal place to enjoy peaceful living. Enjoy privacy, peaceful water views, mature trees, and a charming magnolia tree that enhances the retreat lifestyle. Interior features two living areas, generous bedrooms, beautiful wood floors, primary suite down, and an oversized kitchen with granite counters, abundant cabinets, new appliances, and lake views. Bathrooms include custom walk-in showers. A striking Austin stone fireplace anchors the family room. Updates: Roof (2022), kitchen (2022), bathrooms (2021), WH & exterior paint (2020), HVAC (2016), windows (2011). Outdoor living includes a 34' covered back deck, 60' covered front porch, approx. 190' of waterfront, storage building, and low HOA.