Charlotte Creek Riverfront Retreat - 6.62 Acres, True River Frontage The porch, the gardens, and every window on the eastern side of the house frame the same thing: Charlotte Creek, a hundred yards below, moving steadily past a cornfield and up toward the Catskill foothills. Watch it long enough and you understand why this lot was chosen over every other one on the road. Set on 6.62 private acres in the Western Catskills, this 1986-built split-level ranch offers 2,832 square feet, 4 bedrooms, and 3 full baths, with true, direct frontage on Charlotte Creek. The living room centers on large slider doors, a white enamel gas-log fireplace, and a Mitsubishi mini-split for efficient cooling. The kitchen features gray tile flooring, custom cabinetry, solid counters, an LG french-door refrigerator, and a Frigidaire Gallery convection range, with a peninsula facing the view and a breakfast nook seating up to six. A three-tier rear deck steps down to a covered portico usable even in the rain. The primary suite occupies its own wing: a 30' x 18' bedroom with a private covered porch, plus an en suite bath with a two-wall walk-in closet and a low-curb step-in shower. The lower level offers a fully separate living space - a second bedroom with en suite bath, a gas-log fireplace sitting area, an office, and abundant storage, plus the home's full mechanical setup (200-amp service, well with 2021 pressure tank, and radon-ready central vac ductwork). Outside, a three-board fence, mature perennial gardens, and stone pathways frame the property, alongside an attached two-car garage and a detached 24' x 24' salt-box-style garage. Gray vinyl siding, an architectural-shingle roof, and brick foundation accents complete the exterior. Oneonta - home to SUNY Oneonta and Hartwick College - is just minutes away for shopping and dining. A rare combination of privacy, acreage, and genuine river frontage in the Western Catskills.