Back on the Market and NOW FINANCING AVAILABLE! - Imagine waking up each day to breathtaking sunrises over Saint Clements Bay! This delightful cottage offers a tranquil, vacation-like lifestyle with no HOA and prime waterfront access. It also presents income potential as it can sleep six. Meticulous planning has crafted this stunning home, which exudes the elegance of a high-end interior designer. Inside, you'll find a bright and airy living area that effortlessly merges indoor and outdoor spaces, showcasing captivating water views. The cottage boasts 12-foot ceilings, unique metal roof with cupola and weathervane, an upgraded well pressure tank, robust 200-amp service, full-sized washer and dryer, and a beautifully tiled bathroom with walk-in shower. Designer-inspired kitchen is adorned with quartz countertops, Verona gas range, stainless steel appliances, and a stunning tiled backsplash that frames amazing river views. The loft offers a 5-foot clearance at the center, a closet, and additional storage. Outside, enjoy a 336 square foot composite deck with glass balustrades, an arbor, and gentle-access stairs. Two sheds offer even more storage, and a retaining wall has been constructed at the back of the home to manage water runoff effectively. With 176 feet of waterfront, you have endless opportunities for outdoor fun, including fishing, kayaking, paddleboarding, and more! Notably, the house and shed improvements are outside FEMA floodplain mapping-see documents for details. This location is a birdwatcher's dream-observe Bald Eagles, Ospreys, and numerous other species right in your own yard. Explore the nearby Saint Clements Island State Park, and when it comes to dining and entertainment, a short boat ride will take you to local nearby favorites like Morris Point Restaurant, Thompson's Seafood, and Leonardtown. Don't let this chance to claim your own slice of paradise slip away-schedule your private showing today. With a conventional loan, sales price of 499,900 and 20% down (99,980) the loan amount would be 399,920. Depending on interest rates, monthly payment would be in the range of 2,950. This financing information is subject to change and current market conditions. MOST LENDERS CANNOT MAKE A MORTGAGE ON THIS HOME - CONTACT LISTING AGENT FOR INFORMATION ABOUT FINANCING OPTIONS!