This charming 3-bedroom, 2-bathroom rambler sits on 1.31 acres and offers stunning views of Upper Hay Lake, without lake front taxes! Located adjacent to public lake access, this home provides the perfect setting for peaceful lakeside living. The property includes a 2-car attached garage, a 16x24 detached garage, and a spacious 24x40 metal shed, ensuring ample storage for all your needs. The home has been thoughtfully updated in 2023, featuring a new architectural roof, gutters with guards, and fresh vinyl siding on both the house and the small garage. Inside, you'll find beautiful new hickory cabinets, countertops, and a sleek laminate wood plank flooring throughout the kitchen, living room, hallway, and basement. The main floor offers an inviting open layout with a kitchen full of cabinetry, a dining room, and a cozy living room with a wood-burning fireplace and breathtaking views of the lake. The primary bedroom includes a private 3/4 bath, while the other two bedrooms share a full bath. The lower level walkout provides additional entertaining space with a gas fireplace, an extra room that could serve as a 4th bedroom, and convenient utility and laundry rooms. Enjoy serene moments on the covered porch, take in the lake views, and listen to the sounds of loons and frogs. The fenced garden is perfect for gardening enthusiasts, and the apple trees offer fresh fruit. The horseshoe driveway adds convenience, with easy access to the public lake access right next door.