Embrace the North Idaho lifestyle with this rare RIVERFRONT gem on the St. Joe River! This updated 3-bedroom, 2-bath home sits on two separate lots with no HOA or CC&Rs, offering unmatched flexibility for living, renting, or expanding. Inside, you'll find a light-filled layout with an updated bathroom, cozy wood stove, and picture-perfect water views. Step out to the covered deck or gazebo to soak in the serene surroundings, or launch your next adventure from the grandfathered-in boat dock and swim/fishing dock--a true rarity on the river. The property also includes three full RV hookups and a attached studio with a private entrance, ideal for guest stays, Airbnb income, or a home office. Whether you're seeking a full-time home, vacation getaway, or income-producing investment, this one-of-a-kind property delivers privacy, potential, and postcard-worthy riverfront living.