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Charming cottage-style home nestled in the desirable Harbor Point community near Cedar Creek Lake! This inviting 2 bedroom, 2 bathroom residence offers approx. 1168 square feet of comfortable living space with an open-concept living and dining area highlighted by a wall of bay windows that fill home with a natural light. Character abounds with shiplap accents, custom built-ins, and a warm, welcoming layout. The kitchen includes a cozy breakfast nook, while wood and tile flooring throughout provide both style and easy maintenance. Outside, enjoy a spacious fenced backyard shaded by mature trees, plus an additional side lot that offers extra privacy and room to expand, garden, or entertain. A circular driveway and oversized two-car garage provide ample parking and storage for vehicles, lake toys, and hobbies. Conveniently located just minutes from shopping, dining, and recreational opportunities at Cedar Creek Lake, this property is ideal as a full-time residence, weekend retreat, or investment opportunity. Enjoy small-town lake living with plenty of space, charm, and functionality. OWNER FINANCING ONLY!