Rare opportunity on Settle Lake! This spacious four-level side split offers the perfect blend of comfort, flexibility, and year-round lakeside living in a sought-after Cole Harbour neighbourhood. Thoughtfully designed with multiple living areas, the home features a welcoming family room with propane fireplace, bright open-concept main living space, cherrywood floors, and a well-appointed kitchen with granite peninsula, ideal for everyday living and entertaining. Upstairs offers three bedrooms, including a generous primary with walk-in closet and updated ensuite, while the lower level adds even more versatility with a rec room, additional bedroom, and walkout mudroom. Step outside to enjoy decks overlooking the water and a fully fenced backyard that leads to a shed or boathouse and direct lake access. Unwind in the barrel sauna or take full advantage of year-round recreation, from skating in the winter to paddleboarding and swimming in the summer. This property delivers a lifestyle that is hard to find. Energy efficiency is enhanced with the addition of solar panels, keep those power bills extremely low. Conveniently located close to the Abenaki Aquatic Club, Settle Lake trails, parks, schools, shopping, and transit, this is lakeside living with everyday convenience. Book your private tour today and get moving!