Affordable Waterfront living on Smith Cove! This charming 3-bedroom, 2 bath embankment ranch offers direct water frontage on picturesque Smith Cove with access to the Thames River and Long Island Sound. Set high on a gentle hill, the property boasts spectacular year-round waterviews from the backyard, deck and main living areas. Inside, you'll find a light-filled living room with a cozy wood-burning fireplace, seamlessly open to the dining area-perfect for entertaining or relaxing while watching the ever-changing cove views. Hardwood floors run throughout the main level, which also features two bedrooms and an updated full bath with a separate soaking tub and shower. A bonus room just off the living area makes an ideal home office or den, providing a quiet retreat with peaceful water vistas. The kitchen features freshly painted cabinetry and a pass-through window with breakfast bar-allowing you to enjoy waterfront views as you prepare meals. The walk-out lower level offers tremendous potential with a spacious family room, third bedroom and full bath-perfect for an in-law suite or guest accommodations. A second garage on this level also serves as a workshop space. Whether you're looking for a full-time residence or a weekend escape, this affordable waterfront property is a rare opportunity to live the coastal lifestyle at a great value. Don't miss your chance to make it your own!