SELLER HAS SECURED A 5.99% FIXED RATE OPPORTUNITY FOR QUALIFIED BUYERS - creating a rare chance for lower monthly payments on this exceptional Lake Lanier property. Welcome to 4370 Spainhill Road-where lake living, privacy, and flexibility come together in one incredible property. This rare ranch on a finished basement offers year-round lake views, a private dock with electricity, an in-ground pool, short-term rental potential, and NO HOA - all tucked away on a quiet cul-de-sac. Hardwood floors welcome you inside, leading to a spacious kitchen featuring quartz countertops, abundant cabinetry, and a generous walk-in pantry. The oversized laundry room adds additional flexibility for storage, hobbies, or everyday functionality. The main level features a serene primary suite with lake views, along with two additional bedrooms and a full bath. The bright, open living room is perfectly positioned to capture the natural setting and features a stacked stone fireplace for cozy evenings. Downstairs, the finished terrace level offers exceptional versatility for entertaining, recreation, guest space, or creating an income-producing short-term rental opportunity. Expansive TREX decking surrounds the home, providing multiple spaces to relax, entertain, and enjoy beautiful sunset views. Spend your days making memories on the lake, then return to your private single-slip dock and unwind poolside overlooking a peaceful cove. Whether you're searching for a full-time residence, luxury weekend retreat, or investment opportunity, this property checks every box. Sale includes the adjacent lot for added privacy and future potential. Rate Relief and financing incentives available for qualified buyers through preferred lender Jeff Waggoner NMLS# 155296, AnnieMac Home Mortgage. Terms, conditions, qualification requirements, and program availability apply.