Rare canal-front 3-bedroom, 2-bath home with a private dock in Harbor Cove, a 55+ waterfront community with a low $175 monthly HOA! Enjoy excellent boating and fishing with direct access to Charlotte Harbor and the Gulf via the Myakka River from your dock, complete with water, electric service, and new composite decking. Three-bedroom homes are seldom available here, and this home offers a 1,338 sq. ft. floor plan with a spacious living room, a versatile dining or sitting area, a large air-conditioned Florida room, and a 256 sq. ft. screened lanai overlooking the canal. The updated kitchen features a large center island, abundant granite countertop prep space, stainless steel appliances, and ample wood cabinetry (2023). Five mini-split A/C units installed in 2024 let you cool individual living areas as needed for added comfort and efficiency. Major updates include the roof, windows, siding, vapor barrier, interior walls and paneling, flooring and some subflooring, and the updated hall bathroom. Designed to make the most of waterfront living, the home offers multiple places to relax and entertain, from the Florida room and screened lanai to the epoxy-coated patio and private dock just steps from your back door. Peaceful canal views, spectacular sunsets, and an ever-changing backdrop of birds, fish, and other Florida wildlife make this outdoor living space truly special. The oversized covered carport accommodates two to three vehicles, keeping them protected from the Florida sun, while two storage sheds provide a laundry area, workshop, and additional storage. The home is being sold partially furnished, offering added convenience for seasonal or year-round living. Harbor Cove's amenities include a 17,000-square-foot waterfront clubhouse with views over the 90-slip marina, two swimming pools, hot tub, fitness room, library, billiards, tennis, pickleball, bocce, shuffleboard, and a full calendar of social events and activities. Conveniently located near Gulf beaches, golf courses, shopping, dining, farmers markets, and I-75 for easy access to area airports. If you've been waiting for a waterfront home with a private dock, you won't want to miss this one. Schedule your private showing today!