90 BOWEN RD presents the perfect blend of comfort and waterfront recreation with this unique property just north of Havelock. The offering includes a well-maintained 2-bedroom, 1-bath home with a loft as well as a separate waterfront lot on the scenic Crowe River, creating an exceptional opportunity for a family retreat, seasonal getaway, or year-round enjoyment. The charming home has been lovingly cared for and offers comfortable living space in a peaceful natural setting. The waterfront provides a private riverside escape with its own sandy beach, waterfront gazebo, and an impressive Bunkie complete with a loft sleeping area, kitchenette, and bathroom-ideal for hosting family and friends. A truly rare and distinctive feature of this property is its own privately owned small island, adding a unique touch to an already exceptional waterfront package. Whether used as a secluded spot for relaxing, picnicking, or simply enjoying the surrounding beauty, this private island enhances the property's exclusivity and charm. Situated on a beautiful stretch of the Crowe River between Belmont Lake and Crowe Lake, the waterfront is perfect for swimming, fishing, floating, and kayaking. The river's shallow sections and natural rapids create a picturesque environment and make this a haven for paddlers and outdoor enthusiasts. Relax by the water, enjoy campfires under the stars, or spend the day exploring the river and surrounding lakes. Whether you're looking for a peaceful country home with bonus recreational space or an incredible waterfront retreat to create lasting memories, this rare package offers the best of both worlds in a highly desirable area of cottage country.