If you've been waiting for an affordable home that offers space, freedom, and no HOA restrictions — this is your moment. Opportunities like this are limited, especially in Ocala Waterway Estates. This 3-bedroom, 2-bath home sits on an oversized .46-acre cul-de-sac lot and may qualify for possible down payment assistance, USDA financing, and a lender-paid 1-year interest rate buydown For a Limited time only — making homeownership more attainable than ever. Even better — roof was installed in March 2024, giving you peace of mind from day one. The fully fenced yard with vinyl privacy fencing offers the freedom to truly enjoy your property — perfect for pets, outdoor projects, entertaining, or simply relaxing without HOA rules. Inside, you'll love the flexibility of multiple living spaces, including a formal living room, comfortable family room, and a bonus room ideal for a home office, game room, or potential fourth bedroom. The kitchen opens into a spacious, air-conditioned living area that naturally becomes the heart of the home. Two bedrooms feature private access to a screened porch — a fantastic setup for guests, roommates, or multi-generational living. Plus, with two screened porches, you can enjoy Florida mornings and evenings year-round. Need extra space? A screened block building with plumbing and electricity creates endless possibilities — workshop, studio, guest space, or even a home-based business. Front and rear irrigation systems help keep the yard green and low-maintenance. Ask about the lender-paid 1-year buydown — your first year could come with a reduced rate, putting more money back in your pocket from day one. Homes offering this much land, flexibility, no HOA, and financing potential are rare. Schedule your private showing today and come see why this one stands out — before someone else grabs it!