Set on a quiet stretch of Chimney Ridge, this 4-bedroom, 3.5-bath home offers a rare combination of space, finish-out, and setting—all in the heart of Waco. With generous square footage and a functional layout, it’s designed for both everyday living and hosting. The kitchen anchors the main living space with a gas range, imported granite countertops, wine cooler, two dishwashers, and seamless flow into the dining and living areas. In the living room, custom 100% wool carpet adds durability and refinement, while a statement chandelier and Paris-sourced hardware bring subtle character throughout. The primary suite is a true retreat, featuring floor-to-ceiling windows overlooking the Lake Waco inlet and filling the room with natural light. The en suite bath offers dual vanities, a soaking tub, separate shower, and large walk-in closets. Two bedrooms are connected by a well-designed Jack-and-Jill bath, while a fourth bedroom offers flexibility as a guest room or office. What sets this property apart is the setting. Positioned on the water with a path down to the lake, the home overlooks a peaceful inlet with 16 acres of privately owned land across the water—unlikely to be developed—creating a level of privacy that feels more like a rural retreat than an in-town property. A brand new deck with gas grill hookup extends the living space outdoors—ideal for morning coffee or evening gatherings. The backyard is built for both relaxation and entertaining, featuring a pool, cabana, and fire pit area with plenty of space to gather or unwind, all oriented to take full advantage of the view. The neighborhood adds to the appeal—quiet, established, and genuinely connected, with neighbors who gather for monthly dinners and a strong sense of community that’s increasingly rare. A unique opportunity to own a well-appointed lakefront home with protected views, thoughtful upgrades, and a setting that stands out in Waco.