Clear Lake association access, a year-round cottage in Terrace Gardens, and a setup that makes lake life easy without taking on direct-waterfront pricing. 130 Terrace Drive in Fremont gives you a practical way to have your own place at Clear Lake, whether you are looking for a weekend getaway, extra room near family already at the lake, or a second home with part-time vacation rental potential. Inside, the main level keeps things relaxed with an open kitchen and living area, warm wood ceilings, and an enclosed porch that adds more usable space than you might expect. Use it for morning coffee, late-night cards, or add a pull-out sofa and turn it into another sleeping quarter when friends and family stay over. Upstairs, there is a private bedroom plus a large additional sleeping area, giving the cottage flexibility beyond the bedroom count alone. Eight vinyl windows were added upstairs, along with Carrier mini-splits and additional attic insulation to improve comfort for year-round use. The owners have also made functional improvements where they matter, including washer and dryer plumbing and electrical, updated bathroom electrical for a light and exhaust fan, plumbing and electrical for the garbage disposal, and a gas line already installed if you prefer to swap the electric range for gas. A Culligan whole-home water softener system and Culligan reverse-osmosis drinking water system were added in 2021, bringing another level of everyday comfort and convenience to the cottage. Outside, the expanded stone driveway, added sidewalks, deck, firepit area, detached garage, and extra storage give you room for the things that come with summers at the lake. Offered turnkey, this is the kind of Clear Lake place where you can arrive, settle in, and start enjoying it. Less house to maintain, more lake to enjoy.