Based on your last picture, I would begin removing lower branches from the tree in an attempt to regain a view of the house and so that lawn can be maintained easily below the tree. To not remove lower limbs encourages the upright oriented limbs to become future trunks and compete with the main trunk. Not that that is bad in and of itself, if that's what one wants. But it often results in a trunk formation that is less attractive when trunks branch below the canopy. (Unless it's a multi-trunk tree and then it looks best if it "branches" at the ground.) It's already happened and when allowed to go too far, is too difficult to correct without maiming the tree's appearance. Also, the one low branch on what looks to be a weeping cherry at left corner of house seems odd and out of place. I would get rid of the white gravel mulch and replace it with wood-based mulch. Plan so that plants eventually cover everything and there is no longer need for mulch. In my drawing I'm showing an idea for creating a landing off of the stoop. It's not a finished plan, but you could create a workable plan that improves the approach to the entrance. I'm surmising that the slab continues behind the hedge, in which case, I'd get rid of the hedge and all plants in front of it and bring only grass to slab ... the purpose being to make a welcoming entrance instead of a secret, purposeless hideaway. It is not necessarily the case that ADDING plants is the key to improving your property. The large shrub left of walk seems too close to the walk. If you can't relocate it to in-line with the window (about 4' from the wall,) I'd scrap it and get another shrub for that location. I'm showing only groundcover around the weeping cherry. It looks a bit junky to have those other plants coming up under it.

Congratulations on your new house! It's cute, and having that large tree for shade is a real bonus. I agree with Christopher's comments about using small trees (or large shrubs limbed up to tree form) to provide privacy in particular spots such as the deck area rather than a tall wall of green along the road. A lower hedge or fence will help create a personal space to keep the neighbor's dog out. Plants close to where you want particular privacy work as well as those farther away and may make for a more attractive yard. In areas with snow that needs to be plowed (along with road salt considerations) you will want any shrubs or fence along the road set back far enough so as to not be damaged by heavy snow curling off a plow blade. So I would talk to the neighbors and find out if plowing ever happens on your road. (Doug obviously lives in a warm zone.) :>) In my area I can't plant closer than about 6' to the road, but I imagine that you get somewhat less. It is possible to plant salt-tolerant perennials, which will be underground when any plowing happens, in the area outside the fence. I also notice that the current flower beds by the house are really skinny. I would make them at least 5' deep (mine are mostly deeper than that) and I would get rid of all the rocks which are a hassle to mow and weed around. Advertise the rocks for free on Craigslist and you won't have to figure out how to move them. Edge the beds with a clean cut or a mowing strip of bricks combined with a buried metal or plastic edge to keep out grass. Or remove the bed all together and have grass up to the house except for the right side with the high window where a flowering shrub would be nice. I like 12 Gardens suggestion for framing the deck with either taller in-ground plantings or containers since I would worry about someone stepping off the edge who wasn't paying attention. And the suggestion to make the garage a garden focal point is excellent! As s/he suggested, before making a plan, figure out what you want to do with your yard and where best to put things to suit both the activities (veggies in shade doesn't work) and the space. Don't forget to consider winter appeal both from inside the house and outside.

The cycad (not a palm) looks a little silly stuck in the middle of the lawn all by itself. I would prefer to see it incorporated into a larger planting area that runs to both the curb and the drive. Can't advise on much more as there is no real information to go on as to what you want or would like to do and the single photo doesn't illustrate the situation very adequately. What is the purpose of that square hole in the foreground on this side of the walkway? That looks like a broken ankle waiting to happen.........

It's a fact ... you'll not be able to get rid of the mess until you create a permanent, hard walk where there is now mulch. The magnolia roots are going to make it harder, but it must be done if there is to be a cure. I agree with others that something like concrete (simplest and cheapest) or pavers/brick are suitable. A walk laid out to acknowledge the tree will look and work better than one that doesn't. The bench only makes sense if there is a way to get to it ... i.e., use it. But because of Magnolia roots, it would add a lot of difficulty extending the walk to the bench. Therefore, I'd recommend using the bench elsewhere and having only plantings at the front of the house. Consider using a groundcover like Asiatic Jasmine to cover the magnolia roots.