Welcome to this stunning 3,218 sq ft home in a private, gated Carmichael community with exclusive river access. This versatile 3-story residence offers 4 (possible 5) bedrooms and 3.5 bathrooms. The lower level features 3 spacious bedrooms with a full bath, ideal for family or guests. The main level is designed for gathering, with a bright open kitchen, dining, and living area, plus a dedicated office that can serve as a 5th bedroom. The top floor is a true retreat with the expansive primary suite and spa-like bath offering ultimate privacy. Enjoy the outdoors with direct access from the community to the American River, perfect for kayaking, fishing, or relaxing by the water. Just outside the gates, explore miles of scenic river trails for biking and hiking, or spend the day at nearby Ancil Hoffman Golf Course. Tucked away in a serene setting yet close to everyday conveniences, this home combines the best of nature, recreation, and luxury living.