Where every morning begins on the water. Nestled along the shores of Cardiff Lake, this four-season home/cottage offers an impressive 645 feet of private waterfront and breathtaking southeast exposure-serving up stunning sunrises right from your own shoreline. The gently sloping sandy entry invites effortless swimming, while the clear, deep waters off the dock are perfect for boating, fishing and all your favourite water activities.Set on 3.29 acres, the property features private trails winding through the trees, offering year-round enjoyment. In winter, adventure continues with direct access to extensive snowmobile and ATV trail system spanning hundreds of kilometres of groomed backcountry. Inside this beautifully crafted 3-bedroom bungaloft features a soaring loft 300 sqft ideal as a fourth sleeping area, home office, family room or cozy reading retreat. A well appointed 3-piece bathroom includes the convenience of in suite laundry. The full, unfinished basement approx. 1,350 sqft with 8-foot ceilings and four large windows offer excellent potential for additional living space filled with natural light. All this is accessible via a municipally maintained year-round road, conveniently located just 30 min to Bancroft or Haliburton for shopping and amenities. Only 5 min. to Wilberforce or Harcourt for gas, groceries, and more-plus a community centre, skating rink, pickleball courts and curling rink. A complete four-season lifestyle on the water, in nature, and ready for you to enjoy