Discover a rare opportunity to own a charming four-season cottage just steps from the sandy shores of Lake Erie. Located in the sought-after Silver Bay community, this fully insulated, turn-key retreat offers deeded private beach access less than a minute from your door and is conveniently situated near Crystal Beach, Sherkston Shores, Fort Erie, Niagara Falls, and historic Port Colborne. Set on a beautifully landscaped lot with mature oak trees, manicured gardens, and a large four-car driveway, this unique property blends character, comfort, and versatility. The boat-inspired open-concept interior features two bedrooms, a full bath, an ensuite powder room, and flexible sleeping accommodations for up to eight guests. A stunning rock-face gas fireplace serves as the centerpiece of the living space, complemented by abundant natural light, a skylight, custom furnishings, and a cozy dining and entertainment area. The galley kitchen offers ample storage, a gas stove, and refrigerator, while the mudroom includes a newer gas furnace, washer/dryer, and additional storage space. Outside, enjoy multiple seating areas, two gazebos, an outdoor bar, propane BBQ, patio dining for up to ten, and a tranquil backyard featuring a picturesque creek, bridge, and forest backdrop. Additional amenities include a charming bunkie, storage sheds, bicycles, canoe, firepit, outdoor shower, and extensive equipment included with the sale. Annual association fees of just $250 cover road maintenance, snow removal, beach upkeep, and private garbage collection. Located just minutes from Hwy 3, QEW, Sherkston Shores, and Crystal Beach. Enjoy easy access to downtown Port Colborne, scenic Niagara attractions, and the Friendship Trail. Ideal as a year-round residence, vacation getaway, or income-generating rental property, this one-of-a-kind lakeside retreat is move-in ready and packed with value.