Enjoy no utility costs with paid solar, private well water, and septic already in place. No HOA. Rare lot size. Safe, established neighborhood. Welcome to 3646 Harbor Dr., a one-of-a-kind full-acre retreat tucked at the end of a quiet cul-de-sac in one of Merced's most desirable neighborhoods, just minutes from UC Merced. This 4-bedroom, 2.5-bath home offers 2,779 sq ft of thoughtfully designed space with privacy, comfort, and exceptional value. Inside, you'll find spacious living areas, a large kitchen with abundant cabinetry and breakfast bar, formal dining with elegant chandelier, cozy wood-burning fireplace, a bonus room perfect for a home office or gym, and a private balcony off the primary suite overlooking the backyard. Step outside and discover where this property truly shines, a new pool, covered gazebo, RV and boat parking, open space for kids and pets, a chicken coop, and peaceful creek views behind the property. The perfect blend of lifestyle, privacy, and convenience, don't miss this one.