Located on a quiet cul-de-sac and backing to a large wooded common area, this beautifully maintained one-level home offers a level of privacy that is difficult to find in Rarity Bay. The wooded backdrop creates a peaceful setting around the saltwater pool while providing a natural buffer rarely found within the community. Since 2023, the home has undergone extensive exterior improvements, including a new roof, gutters, shutters, retaining wall, professional landscaping, and illuminated paver walkways. The backyard is designed for relaxation and entertaining, featuring a resurfaced saltwater pool with new equipment and a covered pergola overlooking the private wooded setting. Inside, you'll find hardwood floors, vaulted ceilings, a spacious great room, granite countertops, stainless steel appliances, generously sized bedrooms, a wide hallway, a new HVAC system, and a new sliding glass door in the primary suite. The functional floor plan offers comfortable one-level living, while the oversized 2.5-car garage provides valuable space for vehicles, golf carts, storage, or a workshop area. One of the most attractive features of this property is the flexibility it offers. Rarity Bay Country Club membership is completely OPTIONAL, and the only required HOA fee is just $1,212 per year--approximately $100 per month. It's hard to find another community on Tellico Lake that offers this level of lifestyle, beauty, and amenities for such a low annual HOA fee. Move-in ready and thoughtfully updated, this home combines privacy, quality improvements, a pool, an oversized garage, and the convenience of one-level living in one of East Tennessee's premier lakefront communities.