** 3.125% VA Assumable Loan! If you dream of living in a water access community but also want all the space and amenities, this one has it all. The large property blends comfort, functionality, and coastal lifestyle in a ranch-style 5-bedroom, 3.5-bath with an open-concept layout. Meticulously maintained, move-in ready- recent updates and renovations nearly $100K (see list). The main floor seamlessly connects the updated kitchen with stainless appliances, Silestone countertops, fireplace, dining and living room—perfect for effortless living and entertaining. An adjoining mudroom/utility room with custom pantry is just steps from the perfect picnic/crab feasting secluded patio area. The primary suite features dual walk-in custom closets, a spa bathroom with soaking tub and tiled shower. Main-level second bedroom makes a perfect home office or guest suite with another full bath adjacent. Upstairs you'll find three spacious bedrooms, a beautifully appointed full bath with a double vanity, and large storage closet. Incorporated is the oversized finished double garage and large detached wired shed, offering abundant storage and workspace. Outside is where you will find natures finest with a large functional fenced-in yard for dogs and double gate for boats & toys. You even have an outdoor shower—ideal for rinsing off after a day of swimming, fishing, or crabbing. The lush gardens provide professionally cultivated beauty and fully planted vegetable garden, with another patio for relaxing or grilling. The property comes with a custom matching chicken coop and a small greenhouse, allowing you to enjoy fresh eggs and year-round growing. The large driveway ensures plenty of parking for guests and family with room for your boat or RV. One of the standout features is the neighboring community property, providing a serene backdrop with added privacy and play space. The voluntary HOA community is active with frequent events, both in the community space as well as the easily accessible beach. Whether you’re sipping coffee on the front deck, sharing crab on the side patio, grilling on the back patio, tending to your garden, or dipping in the Chesapeake Bay one block away, this home offers the space to make every day feel like a retreat.