**MAJOR PRICE REDUCTION - NOW OFFERED AT $409,000.** This move-in-ready Calvert Estates home is priced well below its recent appraised value for a fast sale, creating one of the strongest values currently available in St. Leonard. Qualified buyers may also be eligible for 100% financing through FHA, USDA or VA loan programs. Calvert Estates offers access to two neighborhood beaches, including one within a short walking distance and another with a boat ramp and private secure parking. Whether you want to walk to the beach , launch the boat, or simply spend more time near the water, the Chesapeake Bay can become part of your everyday routine. Inside, the 4-level split offers more than 2,300 square feet with 3 bedrooms, 2.5 baths, multiple living areas, and a finished lower level that can serve as a family room, office, playroom, guest area, or additional gathering space. The updated kitchen features modern finishes, stainless steel appliances, and new laminate flooring, while the main and upper levels have real hardwood floors that add warmth and character throughout the home. The layout gives everyone room to spread out without feeling disconnected. The bedrooms are positioned upstairs, the kitchen and living spaces flow naturally, and the primary bedroom has its own mini-split system for added comfort throughout the year. Outside, there is a large deck for grilling and entertaining, a finished rear porch, and a fully fenced backyard with room for pets, children, gardening, or quiet evenings at home. The home has been pre-inspected, is ready for its next owner, and is priced aggressively below appraisal to create an exceptional opportunity. You are close to Prince Frederick shopping, restaurants, schools, and commuter routes while still enjoying the beaches, boat ramp, and Chesapeake Bay lifestyle just a short walk from home. Some listing photos have been virtually enhanced or altered for presentation purposes. If you have been waiting for the right combination of space, condition, location, and value in St. Leonard, this is the one to see.