Discover a serene retreat in the highly sought after community of Montego Bay, where water features enhance your living experience. This delightful ranch-style home, built in 2008, offers 3 cozy bedrooms and 2 full bathrooms, perfect for relaxation and comfort. Home features a brand new shingle roof, skylights, 9 ft. ceilings, laminate flooring, crown moulding throughout, and more.Enjoy the inviting ambiance created by the warm fireplace, ideal for cozy evenings. Step outside to embrace the beauty of waterfront living with 40 feet of bay frontage, providing stunning views and easy access to navigable waters. Property includes a large dock, pier, and 2 boatlifts. Whether you enjoy kayaking, fishing, or simply soaking in the tranquil surroundings, this property caters to your outdoor lifestyle. Community amenities include 2 inground swimming pools, 1 kiddie pool, 2 tennis courts, pickle ball courts, a shuffleboard court, a 9 hole mini-golf course, a bayfront boardwalk with 3 fishing/crabbing piers, and a woldlife sanctuary/park area with an 8-acfre pond and blacktop walking/jogging path...all for a low hoa fee of $415.00 a year!