Experience one of Morse Reservoir's most desirable waterfront settings in North Harbour, where beautiful open-water views meet the privacy and protection of a deep, wide cove. Unlike many lakefront homes, 108 Bayley Circle offers the best of both worlds-easy boating access with calmer water for swimming, paddleboarding and entertaining while enjoying expansive views across the lake. Designed for effortless lake living, the property features a new waterfront dock system (2021) including an 8,000-pound capacity boat lift, Jet Ski dock with two lifts and platform dock with diving board. The protected cove provides exceptional usability for boating and water recreation while minimizing heavy wake exposure-one of the property's most distinctive advantages. Outdoor living rivals a private resort with a multi-level deck, screened porch, stamped concrete patio, outdoor kitchen with grill and pizza oven, two firepit gathering areas, and an included 8-person hot tub (2022) surrounded by mature trees for remarkable privacy. Inside, nearly 5,000 square feet offers five bedrooms, including two on the main level with the option to use one as an office, 3.5 bathrooms, refreshed interiors featuring shiplap accents, updated lighting and recessed lighting, two fireplaces, wired audio and flexible gathering spaces designed for both everyday living and unforgettable weekends at the lake. Recent improvements include a new roof, gutters and skylights (2022), fresh paint, bathroom updates, refreshed landscaping and extensive waterfront improvements. Located in North Harbour near Harbour Trees Golf & Beach Club, buyers enjoy convenient access by both boat and car to optional private golf, waterfront dining, swimming, tennis, fitness and social amenities. A rare opportunity to own a turnkey waterfront retreat where the home's extraordinary cove setting is every bit as special as the home itself. Furnishings, pontoon boat and Sea-Doo watercrafts are negotiable - inquire to learn more.