10645 SE 95TH TERRACE

Welcome to your private lakeside retreat on Smith Lake in Belleview, FL—a truly rare find, offering 1.73 acres of serene, WATERFRONT living. This extraordinary property combines comfort, luxury, and natural beauty in one stunning package. As you enter through the gated driveway, you’ll immediately feel the peace and privacy that comes with owning this lakeside haven.
Nestled on the shores of SMITH LAKE, this property features not one, but TWO charming RESIDENCES, each offering its own space and convenience. The MAIN HOUSE (10647 SE 95TH), designed with comfort and style in mind, includes 2 spacious bedrooms and 2 bathrooms. The heart of the home is the expansive eat-in kitchen, which is beautifully upgraded with new cabinets, QUARTZ countertops, and LUXURY VINYL PLANK flooring throughout. From here, you can enjoy tranquil LAKE VIEWS as you prepare meals. The large family room and formal living area are perfect for relaxation, while the magnificent deck provides the perfect spot for enjoying the outdoors.
Adjacent to the main house, you’ll find a delightful IN-LAW SUITE (10645 SE 95th), ideal for guests or potential RENTAL INCOME. This separate residence boasts an oversized bedroom, full bathroom, living room, and a cozy eat-in kitchen. It also features its own large 3-CAR GARAGE, offering convenience and additional storage. Both homes share access to the generous 3-car garage, which has multiple access points, ensuring privacy and ease of use. Additionally, there is a gravel parking area next to the garage, providing plenty of room for extra vehicles, boats, and other toys.
For boating enthusiasts, the backyard is truly a highlight, offering DIRECT ACCESS TO SMITH LAKE. You can easily launch your boat right from your property, making it effortless to enjoy the water at any time. If you want even more convenience, a private boat ramp is available for just $75 per year, perfect for larger boats or accommodating guests.
The property has seen several thoughtful updates: in 2023, the WINDOWS in the main home were REPLACED (except for three), while the METAL ROOF AND DECK were REPLACED by the original owner in 2022, and the MAIN HOME ROOF was replaced in 2021. The guest house received a WATER SOFTENER in 2021, ensuring clean water throughout. All three A/C UNITS WERE SERVICED in 2024, ensuring they’re running at peak performance. The property also benefits from a well and septic system, with the SEPTIC TANK PUMPED in October 2022.
With over 350 acres of water to explore and motorboat-friendly conditions, Smith Lake offers a wealth of recreational opportunities. The vast yard is ready for your personal touch to create your own lakeside paradise. This is a rare opportunity to live the lakefront lifestyle you’ve always dreamed of—schedule a showing today!