This house comes with a REDUCED RATE as low as 5.625% (APR 6.102%) as of 11/13/2025 through List & Lock™. This is a seller paid rate-buydown that reduces the buyer's interest rate and monthly payment. Stunning 4 bed/3bath home built by one of North Idaho's premier builders, IDAGON located in the highly sought after waterfront community - The Cottages. This private, family friendly community features many amenities including access to Lake Pend Oreille with a rock beach, private community day use dock and scenic seating area. Beautifully maintained park with covered gazebo and picnic area for family gatherings. Walking trails and the park featuring a newly resurfaced court with Tennis, Pickleball and a Basketball hoop for use of home owners in the neighborhood only. This spacious single level living home features a large, welcoming foyer. The spacious and open gourmet kitchen with double wall ovens, a 6 burner gas range top, breakfast bar island is the heart of the home.