Live where the mountains meet the water: this newer home delivers a rare mix of main-level convenience, income-producing flexibility, three car garage and room to expand. The main level features a spacious primary suite, a second ensuite bedroom, and a kitchen finished with a pantry, Corian countertops, maple cabinetry, and GE Profile appliances. A dedicated office/laundry room adds everyday function, a half bath adds convenience, and LVP flooring runs throughout for easy upkeep. Front and rear Trex decks offer views of Young's Peak and Blacktail Mt. The full basement adds serious value: partially finished with a wet bar area and pre-wired for a big-screen TV, with painted concrete floors covering the unfinished section, leaving room for a future rec room, home gym, or bedrooms on your own timeline, while offering great storage now. The detached three-car garage is topped by a studio apartment finished with granite counters, ample cabinet space, and its own laundry, leased at $1,900/month through September 2027, income that can meaningfully offset a mortgage payment. A 60-day vacate clause gives a buyer the flexibility to keep the tenant in place or reclaim the space for guests, family, or personal use. An insulated shed handles the overflow storage every mountain property needs, and the fenced backyard is ready for dogs and outdoor living. The .38-acre lot borders the community trail system, perfect for hiking, cross country skiing and biking straight from your backyard. Stagecoach Reservoir and its renowned tailwaters fishery are just minutes away for boating, paddling, and world-class, year-round fishing. Steamboat's ski slopes and vibrant downtown shopping and dining are roughly a 25-minute drive, with the town of Oak Creek just minutes away. Furniture is negotiable for a turnkey option. Built-in income, access to world-class recreation, and room to expand make this a must-see, whether you're settling in full-time or looking for your Colorado mountain getaway.