OWNER FINANCING NOW AVAILABLE. Not located in a high risk flood zone like others on the market, this stunning riverfront home situated higher topography, offers peaceful water views from three decks and includes a private aluminum boat dock for direct access to the river. Inside the all-brick/stone home, 11-foot ceilings, hardwood floors throughout, a riverfront full-screen porch with a wet bar, and a gas supply. Over $400K in improvements to add family room, bedroom, bath, laundry, built in bookshelves, and secret storage at the split lower level of the house. Furthermore, an additional 662 sq ft ADU-like suite features three rooms, a wet bar, a bath, built-in surround sound ceiling speakers, and a private river-view deck—ideal for guests or a creative space. The yard features a thriving organic garden, fruit trees, and a full-yard innovative irrigation system sustainably fed by the river. Conveniently located just 1 mile from Costco and with access to I-40, as well as just minutes from nearby amenities and downtown. This rare property offers a blend of privacy, natural beauty, and convenience.