A rare find on Indian Lake with NO FLOOD INSURANCE REQUIRED! The focal point of this 3 BR/ 2.5 Bath gem is a large family room with a fireplace, wide plank hardwood floors and a picture window offering captivating views of the lake. The dining room is open to an all-season sunroom, perfect for sipping your morning coffee while watching ducks glide across the lake. Each bedroom has generous closets, and there is an additional large cedar closet in the lower level for extra storage. The finished walkout basement includes a second fireplace, a wet bar, and a full bathroom, offering potential for an in-law apartment. This well-maintained home has a newer roof and furnace, both replaced in the last few years. The property is gorgeous with its mature trees, including Apple, Pear, Cherry, Magnolia and Rose of Sharon. The private, fully fenced backyard is a great spot relax to the soothing sound of water rushing over the dam. Milford was recently recognized as the most popular coastal city in the US among home shoppers on Zillow. With 17 miles of coastline and 5 beaches, including Silver Sands State Park, Milford offers plenty of outdoor activities. The city is home to 2 greens - the Milford Green located in the heart of downtown, and the North Street Green known for its duck pond and waterfall. The popular Milford Oyster festival, now in its 50th year, is just one of the many events to be enjoyed throughout the year.