OWNER FINANCE possible - build in Ridge Harbor on Lake Travis! Lot 110 Cove Creek is .34 acres w/108'of road frontage, offering a level and well-positioned homesite in this sought-after waterfront community. Want more space? The adjacent Lot 109 (MLS#6516503) is also available, allowing for a combined .71-acre property with increased flexibility for home design or expanded outdoor living. Lot 91 Cove Creek (MLS#4793239) sits directly across the street and is also for sale, providing a rare chance to secure multiple properties in one of Spicewood's most desirable neighborhoods. Ridge Harbor is known for its relaxed Hill Country feel and strong community amenities. A privately owned marina within the neighborhood offers boat slips for purchase or lease when available, while two private boat launches provide direct access to Lake Travis. Residents enjoy a large pool, tennis courts, and scenic waterfront park. With private water and sewer services, fiber internet, and underground utilities already in place, this is a seamless location for building. Protective deed restrictions help maintain long-term value, and with no required timeline to begin construction, you have the flexibility to build on your own schedule. Spicewood continues to attract homebuyers and investors seeking a mix of Hill Country charm and easy access to modern conveniences. Outdoor destinations like Muleshoe Bend Park and Krause Springs offer great opportunities for hiking, biking, and camping, while a private airstrip (88R), local wineries, golf courses, and boutique shopping contribute to the area's appeal. The future Thomas Ranch master-planned community is set to enhance the region's growth, bringing even more amenities and opportunity. With a low 1.34% tax rate, Ridge Harbor strikes the perfect balance between affordability, privacy, and lake living. A great location, well-maintained community, and flexible building options-don't miss out on this fantastic opportunity!