Indulge in the quiet enjoyment of true waterfront living at this charming retreat overlooking White's Neck Creek. Enjoy stunning water views from the expansive deck, or take advantage of the private pier-perfect for fishing, crabbing, and making unforgettable memories with family and friends. This property offers a rare dual-living setup with a main home and separate guest cottage. The main residence features 3 bedrooms and 2 full baths, including a versatile loft-style upper level. Fully renovated in 2021, the interior showcases new flooring, recessed lighting, and a beautifully updated kitchen complete with marble countertops, center island, ceramic backsplash, stainless steel appliances, and a dedicated coffee station. A spacious tiled laundry/mudroom adds everyday functionality. The detached guest cottage provides additional flexibility with its own bedroom, full bath, and open living/kitchen area-ideal for guests, extended family, or potential income opportunities. Outdoor features continue to impress with a large entertaining deck, charming crab/oyster shack, and a sizable storage/workshop for all your water toys. Bring your kayaks, canoes, jet skis, and more-nearby marina access and boat ramps make it easy to fully embrace the waterfront lifestyle. Situated on over half an acre, this property is the perfect blend of relaxation, recreation, and opportunity. Priced below recent appraisal-don't miss your chance to own a slice of waterfront living in St. Mary's County.