Rare waterfront opportunity with no HOA and no city taxes! Nestled on a beautiful waterfront lot, 115 Bear Creek Drive offers the chance to create your dream home while enjoying some of the most sought-after features buyers are looking for. Relax by the in-ground swimming pool once renovated, take in peaceful water views, and enjoy the freedom of no HOA restrictions and the added savings of no city taxes. Inside, the home offers approximately 2,446 square feet of living space with an abundance of room to make your own. The main level features a spacious floor plan including a large den with a fireplace, a separate living room, three generously sized bedrooms, and two full bathrooms. Every bedroom includes double closets, while the oversized primary suite boasts a walk-in closet and an en-suite bath with a walk-in shower. The lower level features a rear-entry oversized garage with tremendous potential. Prior to a previous flood event, down stairs included additional living space, a storage room, and a full bathroom. It has not been restored, allowing the next owner the opportunity to renovate the space to fit their needs. Whether you're searching for a waterfront retreat, an investment opportunity, or a home to customize to your style, this property offers an unbeatable combination of location, space, and lifestyle. Waterfront homes with an in-ground pool, no HOA, and no city taxes are hard to find--don't miss your chance to unlock the incredible potential this property has to offer!