Welcome to 20 Cedartree Lane, a beautifully maintained 3-bedroom raised bungalow nestled in a quiet, sought-after pocket of Bobcaygeon-perfect for retirees, downsizers, or anyone embracing the relaxed Kawartha Lakes lifestyle. The bright and inviting main floor showcases a stunning vaulted ceiling in the living room, rich oak hardwood floors, and a cozy propane stove. Walk out to your private 3-season screened deck complete with gazebo-an ideal space for morning coffee or evening entertaining. The open-concept kitchen and dining area feature oak cabinetry, undermount lighting, and vinyl flooring. Two spacious bedrooms offer generous closets and hardwood floors, complemented by a stylish 3-piece bath with granite countertop. The lower level presents excellent in-law or guest suite potential, offering a large family room with propane fireplace and walkout to a brick patio. A third bedroom with oversized windows, separate laundry room, and a modern 4-piece bath with quartz countertop complete this versatile space. Enjoy year-round efficiency and comfort with a heat pump, R60 ceiling insulation, and an attached insulated 2-car garage with R50 insulation. Conveniently located just minutes to downtown Bobcaygeon's shops, dining, and amenities, and nearby Lock 32 on the renowned Trent-Severn Waterway. Close to parks, beach, trails, pool, splash pad, and more-all just 90 minutes to the Greater Toronto Area. Extras: Roof approximately 7 years old (25-year shingles).