WATERFRONT ESTATE WITH POOL on 2.47 acres along Doctors Lake! This exceptional property offers the rare combination of an elegant, established neighborhood with NO HOA or CDD--so bring your RV, boat, and all your toys. Featuring a 3-car insulated attached garage, a 24' x 31' detached garage/workshop, and a screened, heated saltwater pool & spa, this home truly delivers the best of indoor and outdoor living. VOLUNTARY HOA $50 - NOT REQUIRED (to maintain entrance). The first-floor primary suite is spacious, elegant and private, offering its own fireplace, direct pool access, a jetted tub, walk-in shower, double vanity, separate bidet, and an oversized walk-in closet. The main living areas feature beautiful hardwood floors throughout the family room, dining room, sitting room, and den/game room. The kitchen blends classic charm with modern touches, including a gas cooktop, electric double ovens, bar-top seating, and an inviting eat-in area--perfect for entertaining. Upstairs are four generously sized bedrooms. Bedrooms 2 and 3 each have private en-suite baths, while a third full bath serves guests. The 5th bedroom (approx. 24' x 31') offers incredible flexibility as a game room, media room, or additional family room. A loft/sitting area and abundant storage complete the second floor. Step outside to your private oasis: a custom 24' x 38' screened saltwater pool & spa, outdoor kitchen, and covered seating area. The pool deck was updated (2024), and a new Pentair saltwater system (2024) means it's ready for immediate enjoyment. Parking is unmatched, beginning with a circular driveway and extending to the fully insulated 3-car garage with wall-mounted A/C. The detached 24' x 31' garage/workshop includes its own 100-amp service and offers ideal space for projects, storage, or additional parking. Additional concrete connects both garage areas for easy access. Conveniently located near top-rated schools, shopping, dining, hospitals, and more--this move-in-ready estate is a rare gem in the heart of Clay County.