Charming WATERFRONT RANCH WITH FINISHED WALK OUT BASEMENT on beautiful Lake Norman! Enjoy peaceful lake views and relaxed living with NO HOA. The inviting wraparound porch transitions to a large back deck—perfect for entertaining or unwinding after a day on the water. Inside, the home features a bright kitchen with gas stove, cozy great room with gas fireplace and built-in, and a very spacious laundry room with cabinetry and mud sink. The finished basement adds incredible flexibility as a second living quarters with its own kitchen, washer/dryer, wood-burning fireplace, generous recreational space & flex room/office that can also function as 4th bedroom. With both interior and exterior entry, the basement makes for an ideal in-law suite, guest quarters, or vacation rental. Step out to the 12x24 screened porch, two patios, and hot tub overlooking the wooded yard and private dock with lift. Quiet cove just off main channel of the lake. Other highlights include two driveways, RV parking, a DETACHED 2 CAR GARAGE with epoxy flooring and openers, plus a storage shed for lawn equipment or lake toys. Major updates provide peace of mind - NEW ROOF & GUTTERS (2024), NEW basement HVAC (2022), NEW SEPTIC TANK (2022), UPDATED DOCK ELECTRIAL (2022), & a CONCRETE DRIVE ADDED in front of 2 car garage. Transferable termite bond in place. MOVE IN READY! Being sold as-is. This Lake Norman gem offers comfort, versatility, and true waterfront living. UNDER CONTRACT 11/25/2025, BUT SELLER WILL ENTERTAIN BACK UP OFFERS.