One or more photo(s) has been virtually staged. This home qualifies for 100% financing with no PMI and no income restrictions when using the preferred lender AND USDA financing with YOUR lender. The seller is highly motivated and has priced this home nearly $30,000 below its appraised value for a quick sale—they’re ready to move! Experience true Florida waterfront living with this beautifully updated canal-front home, located just two canals from the main lake in the desirable, gated community of Indian Lake Estates. Featuring 3 bedrooms, 2 bedrooms in the main home plus a flexible bonus room perfect for an office, guest space, or hobby room, this home blends comfort with versatility. A fisherman’s paradise, it offers a double-decker dock with boat lift, cleaning station, live well, and a spacious upper deck patio ideal for entertaining or relaxing by the water. A small seawall provides valuable shoreline protection—reducing erosion, preserving your land, and maintaining the property’s beauty over time, making this a smart and lasting investment for waterfront buyers. Inside, enjoy a cozy living room with a wood-burning fireplace, an updated kitchen with modern finishes, refreshed cabinetry, and a convenient coffee bar. The Florida room is filled with natural light and offers tranquil canal views year-round. Both main bedrooms feature dual closets, and the modernized bathroom offers stylish, functional updates. Recent improvements include a brand-new AC system (2024) and a new hot water heater (2025) for comfort and peace of mind. Outdoor living features a screened patio overlooking the canal, a paved cookout area, and ample parking with an oversized three-car driveway, large carport, and a converted garage for flexible use. Additional highlights include a 20x10 storage shed, upgraded 200-amp electrical panel, and whole-home water filtration system(2024). Indian Lake Estates is one of Central Florida’s best-kept secrets—peaceful, scenic, and underdeveloped, offering large lots, quiet streets, and unmatched privacy rarely found in other lakefront communities. The open space and natural beauty create a tranquil setting that still keeps you close to modern conveniences. Nestled between Orlando and Tampa, the community sits on the shores of Lake Walk-In-Water (Lake Weohyakapka)—Polk County’s largest lake—renowned for its world-class bass fishing, boating, and stunning sunsets. Residents enjoy an 18-hole golf course, clubhouse, pro shop, fitness center, tennis and pickleball courts, basketball, shuffleboard, and a lively community bar & grill. Social activities abound, from karaoke and live music to painting classes, bingo, and seasonal events like Cookies with Santa. Just a short drive away, you’ll find Westgate River Ranch Resort, offering rodeo shows, horseback riding, airboat tours, and true Old Florida adventure—plus other nearby destinations for outdoor enthusiasts and nature lovers. If you’re seeking affordable waterfront living with resort-style amenities, privacy, and small-town charm, this is the perfect opportunity. Easy to view—schedule your showing today!