WHILE LISTED IN A FLOOD ZONE...SELLER HAS ASSUMABLE FLOOD INSURANCE $900/YEAR!!! SELLER WILLING TO CONSIDER SELLER PAID CONSESSIONS UP TO THE AMOUNT ALLOWED BY LOAN PROGRAM BUYER USES! Discover unmatched tranquility of this 3-bedroom, 2-bathroom home boasts PANORAMIC WATER VIEWS that can be savored from the primary bedroom, living room, and kitchen dining area. Perfect for nature lovers, the serene backdrop invites you to enjoy birdwatching and peaceful sunsets from your private oasis. The spacious lot offers endless potential to create your dream outdoor retreat. Don’t miss this rare opportunity to embrace waterfront living in beautiful Punta Gorda. Located in the highly desired, gated RIVER CLUB community. This The expansive backyard offers a peaceful retreat for birdwatching along the lake, with access through sliding glass doors. While the community offers a community pool and fitness center, there is plenty of room to add a private pool and outdoor space of your choosing, as private pools are permitted in this community. Enjoy peace of mind knowing that this home had no flooding or damage from Hurricane Milton or Hurricane Helene. This home is loaded with updates, including a NEW ROOF (11/22), NEW A/C (2022), NEW WATER HEATER (3/24), and a NEW WASHER (2022). The interior was repainted in 2023, and the exterior was refreshed in 2017. Ceramic tile floors flow through the living areas, while new carpet adds comfort to the bedrooms. Large windows throughout the home bring in an abundance of natural light. The open dining room, adjacent to the kitchen, is perfect for hosting gatherings. The kitchen is equipped with plenty of countertop space, wood cabinets with 36" uppers, a closet pantry, and a breakfast bar overlooking the dinette area. The dinette opens to the living room, creating a flexible, spacious layout for entertaining or relaxing. The split-bedroom floor plan offers privacy, with the primary bedroom providing serene lake views through bay windows, dual closets, and an en suite bathroom featuring separate vanities, a walk-in shower, and a soaking tub. Two guest bedrooms share a second bathroom with a shower/tub combo. The front guest bedroom, currently used as an office, includes a walk-in closet for extra storage. Additional features include a screened double-door front entrance with a Paladian transom window, a paver driveway and walkway, and hurricane protection panels stored in the garage. The RIVER CLUB is a gated community which offers a range of amenities, including a pool, fitness center, playground, internet and basic cable, landscape maintenance, and irrigation. It’s conveniently located near US41/Tamiami Trail, I-75, Punta Gorda Airport, shopping, dining, hospitals, entertainment, boat ramps, pickleball courts, Port Charlotte Beach Park, historic downtown Punta Gorda, Fishermen's Village, and more.