An opportunity to own a home on the banks of Horton Creek, made famous in Ernest Hemingway's stories, does not come along often! This fantastic cottage is located in the Horton Bay Club, sitting on a lot and a half. An association of beautiful homes that includes community space and a marina on Lake Charlevoix's North shore. The layout of this home is perfect for hosting family and friends. The kitchen is open to the dining and living room with expansive views of the beautiful forest and Horton Creek. If you're seeking a tranquil retreat that's just a short drive from Charlevoix, Boyne City and Petoskey, you've found it! Home features four bedrooms (one upstairs bedroom is non-conforming) and three and a half baths. Lots of space for everyone! Large two car garage has additional storage for all of your outdoor toys! The yard is absolutely amazing, featuring a beautiful little brook that meanders through the property and feeds into Horton Creek. Outdoor splendor is just off the living room of the house featuring extensive decking to the river's edge. Tranquil sounds of moving water and forest abound. The association has a beautiful trail network, tennis court, possibility of a boat slip on Lake Charlevoix and over 1,100 feet of shared beach frontage! The Horton Bay Club Association dues of $3,000 per year covers plowing roads, community well, marina, landscaping, trash and tennis court. This private association does not allow rentals.