You've been waiting for something truly exceptional - and this Lake Erie waterfront property delivers in every way! With over 3, 800 sq. Ft., this updated colonial is designed to stay connected to the water, where light, space, and scenery define every level. The remodeled kitchen features granite countertops, a custom stone backsplash, modern appliances, and a large center island, flowing seamlessly into living areas and a three-season sunroom with expansive lake views. Multiple decks expand outdoor living for relaxing, entertaining, or enjoying the four seasons and shoreline. Upstairs, the private primary suite offers a fireplace, updated bath, generous closets, in-suite laundry, and a deck overlooking the water. A loft provides flexible space for an office, fitness, or creative use. A second suite and additional bedroom provide comfort and privacy. The finished lower level is ideal for entertainment, with wood and stone finishes, built-in wet bar, fireplace, and steam/sauna room. Landscaped grounds include multiple sitting areas and a private walkway to the lake. Centrally located between Geneva-on-the-Lake and Historic Ashtabula Harbor, this lakefront home is minutes from dining, shopping, and entertainment. Updates include flooring, fixtures, paint, windows, electrical, siding, stonework, roof, and doors - combining modern luxury with classic lakefront charm. Experience the ultimate in Lake Erie lakefront living, where thoughtful design, modern updates, and stunning water views create a home for relaxation, gathering, and connection. **Seller open to financing up to 50% of purchase price with acceptable terms and buyer qualifications.