This beautifully appointed three-bedroom, two-bath home is ideally located on the historic Ruttger Road. It overlooks the tranquil bay of Clamshell Lake, right in the heart of the Whitefish Chain. Positioned on a gently elevated oversized lot, the property features 134 feet of south-facing shoreline with updated riprap on 0.68 acres. Experience the ultimate in year-round comfort with this stunning walkout-style home, ideal for one-level living. Step inside to discover a lakeside living room adorned with a cozy fireplace, complemented by elegant hardwood floors and custom built-in cabinetry. The beautifully updated kitchen, featuring top-of-the-line stainless steel appliances, flows seamlessly into a charming dining area that boasts breathtaking lake views. The main floor also includes a serene primary bedroom suite with panoramic lake views, an additional bedroom for guests or family, and a conveniently located laundry room right off the kitchen. Venture to the finished lower level, where you'll find an inviting lakeside recreation room with a magnificent stone fireplace that reaches the ceiling, a spacious family room perfect for gatherings, a lakeside bedroom, and an updated three-quarter bathroom. The attached insulated garage not only provides generous storage but also adds convenience to your everyday life. Living on a bay offers year-round advantages, including cost savings since the boat lifts can remain in place throughout the year. You can also enjoy excellent fishing for crappies and bass without the hassle of boat traffic. Additionally, the area is rich in wildlife, featuring nesting loons, ducks, various birds, and herons.