Enjoy the freedom of no HOA in the desirable Three Lakes community of Umatilla. Situated on a beautifully shaded 1/3-acre waterfront lot, this well-maintained home offers peaceful pond views, generous outdoor space, and room for all your hobbies, vehicles, boats, or RV. Inside, you'll find a bright, open floor plan with abundant natural light, ceramic tile flooring throughout the main living areas, and an updated kitchen featuring refaced cabinetry, countertops, and appliances. The spacious family room is highlighted by a large picture window overlooking the water, creating a relaxing backdrop for everyday living. Step outside to the screened porch and unwind while enjoying tranquil pond views and colorful evening sunsets beneath the canopy of majestic mature oak trees. The attached garage is equipped with air conditioning, is rewired and currently set up as a working woodworking shop, making it an ideal workspace for hobbyists or craftsmen. An adjoining room is currently being used as an additional workspace and provides additional flexibility. It could easily be used as a third bedroom, home office, fitness room, or hobby space. Major updates provide peace of mind, including Roof (2018), R30 Insulation, Drain Field (2018), HVAC (2020), and Windows (2021). Woodworking equipment is negotiable. If you're looking for space, privacy, beautiful water views, and the flexibility that comes with no HOA, this Three Lakes property is one you won't want to miss.