Florida LAKEFRONT LIVING where stunning WESTERN FLORIDA SUNSETS become part of your everyday routine. This charming 3-bedroom, 2-bath WATERFRONT HOME (that sits HIGH & DRY) offers a rare combination of peaceful lake views, modern updates, and the freedom of NO HOA, NO CDD, and Flood Zone X - meaning flood insurance is not required by most lenders. Step inside to an inviting open-concept floor plan where your eyes are immediately drawn through the home to the sparkling lake beyond. The spacious living room features a beautiful newer (2024) tongue- and groove wood ceiling, a cozy wood-burning fireplace with stone tile backsplash, and an abundance of natural light. The kitchen, complete with a breakfast bar, flows seamlessly into the dining and living areas, making the home ideal for both everyday living and entertaining. Wood and tile flooring extend throughout the home, while a BRAND NEW ROOF (2026), new Washer (2026), newer HVAC system (2024), freshly painted interior, (2026) and newer double-pane sliding glass doors (2020) provide peace of mind for years to come. One of the home's most unique features is its seamless connection to the outdoors. Double-pane sliding glass doors in the living room and ALL three bedrooms provide direct access to the expansive covered, screened wraparound lanai, creating the perfect indoor-outdoor Florida lifestyle all year long. Outside, the OVERSIZED FENCED BACKYARD leads to a newer PRIVATE DOCK (2022) with composite decking with handrails overlooking Lake Jo Ann, offering endless opportunities for boating, fishing, kayaking, or simply enjoying the tranquil waterfront setting. Whether you're hosting family and friends or relaxing with a front-row seat to spectacular sunsets, this backyard was designed to be enjoyed. If you've been searching for an updated waterfront home with breathtaking views, a private dock, a huge fenced backyard, and the freedom to enjoy your property without HOA or CDD restrictions, this Lake Jo Ann gem is one you won't want to miss.