Owner financing available, 6% fix rate with no prepayment penalty with 20% down. This charming 3-bedroom, 2-bathroom home boasts OCEAN ACCESS and sits proudly on the North Fork of the St Lucie River. Impeccably maintained, it offers a screened patio for relaxation or direct access to your private dock for fishing and boating adventures. Inside, upgrades abound with new plumbing, custom kitchen cabinets, stainless steel appliances, granite countertops, and stunning plank flooring. Cozy up by the stone wood fireplace in the spacious living area featuring high ceilings and updated bathroom vanities. With designated living, dining, and family rooms, plus a climate-controlled bonus/flex/office space in the garage, there's ample room for everyone. Enjoy the freedom of NO HOA &NO rental restric