Welcome to this spacious 4-bedroom, 3-bath split foyer home situated on an almost half-acre corner lot in the sought-after water-access community of Twin Harbors in Arnold. Freshly painted inside and out, this well-maintained home offers an exceptional combination of indoor comfort and outdoor living. The main level features hardwood floors throughout (seller will provide a $8575 credit for refinishing after settlement), a bright and open living area, and a spacious kitchen complete with stainless steel appliances, a new gas stove, new quartz counters, new tile backsplash, breakfast bar, built-in pantry, and large adjoining dining area. Three bedrooms are located on the upper level, including a generous primary suite with double closets and a private ensuite bath featuring a new vanity and toilet. The renovated hall bath (2022) serves the additional bedrooms, including a secondary bedroom with double closets. The finished walk-out lower level offers more hardwood flooring, a large family room with a cozy gas fireplace, a fourth bedroom featuring a queen Murphy bed, and an updated full bath with new shower, vanity, and toilet. A huge storage and utility room provides ample space for laundry, hobbies, and organization. Outdoor living shines with a private fenced backyard featuring double gates installed in 2021, a resurfaced 16,000-gallon saltwater pool (2022), gazebo, pergola, groundwater well pump for gardening and rainwater use, and a massive 14' x 17' insulated shed/workshop complete with drywall, windows, and air conditioning-ideal for a studio, craft room, workshop, home office, or additional storage. A wraparound composite deck provides the perfect place to relax or entertain. Additional peace of mind includes a whole house generator! Additional highlights include a one-car garage with storage and a new garage door. Twin Harbors has a voluntary community association of just $215 annually, which offers access to community beach, boat slips, a kayak launch, pavilion, playground, and seasonal neighborhood events that create a true sense of connection. This move-in-ready home delivers the perfect blend of space, functionality, and outdoor amenities in one of Arnold's most desirable waterfront communities.