Experience elevated Lake Erie waterfront living just minutes from Geneva-on-the-Lake and the Historic Ashtabula Harbor. This lakefront home offers luxurious views on a private road (no HOA) with just a $100 annual voluntary contribution for maintenance. This updated colonial is designed to maximize panoramic Lake Erie views from every level. Natural light pours through the home, connecting indoor living seamlessly with the water. The kitchen features granite countertops, a custom backsplash, and a spacious center island-flowing effortlessly to a sitting area. The stunning living spaces and three-season sunroom overlook the lake. Multiple decks expand your living space, perfect for entertaining, relaxing, or soaking in the changing seasons along the shoreline. Upstairs, the private primary suite is complete with fireplace, updated bath, generous closets, in-suite laundry, and a private deck with breathtaking lake views. A versatile loft offers ideal space for a home office, fitness area, or creative studio. Additional bedrooms, provide comfort and flexibility for guests or family. The lower level is designed for entertaining, featuring rich wood and stone finishes, a built-in wet bar, fireplace, and a steam/sauna room for a true at-home retreat. Professionally landscaped grounds offer multiple sitting areas and a private walkway to the lake-creating a rare opportunity for direct waterfront access and connection to nature. Located between two of Northeast Ohio's most desirable destinations, you're minutes from dining, shopping, marinas, wineries, and entertainment, while still enjoying the peace of private lakefront living. Extensive updates include flooring, fixtures, paint, windows, electrical, siding, stonework, roof, and doors, blending modern luxury with timeless coastal charm. Seller open to financing up to 50% of the purchase price with acceptable terms and buyer qualifications. This is more than a home! It's a lifestyle defined by water, light, and connection.