No HOA. No Rules. Just Space to Live. If you've been searching for an affordable home with room to breathe and zero HOA restrictions, this is it - and opportunities like this don't last long in Ocala Waterway Estates. Flooring credit available with an acceptable offer - bring your vision for new floors throughout and make this home exactly what you want it to be from day one. This 3-bedroom, 2-bath home sits on an oversized .46-acre cul-de-sac lot and may qualify for down payment assistance and USDA financing, making ownership more attainable than ever. The roof was replaced in March 2024, so that's one less thing to worry about. The fully fenced yard with vinyl privacy fencing gives you the freedom to actually use your property - pets, projects, entertaining, or just relaxing, no HOA required. Inside, multiple living spaces give you real flexibility: a formal living room, a comfortable family room, and a bonus room that works as a home office, game room, or potential 4th bedroom. The kitchen opens into a spacious, air-conditioned living area that naturally becomes the heart of the home. Two bedrooms have private access to a screened porch - great for guests, roommates, or multi-generational living - and with two screened porches total, you get Florida mornings and evenings year-round. Need more room? A screened block building with plumbing and electricity opens up options: workshop, studio, guest space, or home-based business. Front and rear irrigation keeps the yard green with minimal effort. Ask about the lender-paid 1-year rate buydown for extra savings in year one. Land, flexibility, no HOA, financing options, and a flooring credit to make it your own - this combination is rare. Schedule your private showing today.