Split Level

A rare waterfront opportunity where unforgettable memories have been made hosting holidays, birthdays, weddings, and summer gatherings with family and friends along the scenic shores of Rock Creek just off the iconic Chesapeake Bay. Major system updates provide added peace of mind, including a new roof installed in 2026 and HVAC replaced in 2025. This charming three bedroom home, with potential for a fourth bedroom, sits quietly on the water offering peace, privacy, and stunning natural surroundings. Enjoy a coffee during tranquil mornings on the spacious deck overlooking the creek as the sun rises. Boater's dream with 5-6 feet mean water, 78' of bulkheaded shoreline, and a private pier rebuilt in 2017 which features electric, plumbing, kayak/canoe storage, a 2018 installed 12.5K lb lift, and an additional slip designed to accommodate a wide beam vessel. Inside, recently refinished floors create a fresh and inviting feel. The grand Florida sunroom is a true centerpiece, featuring vaulted ceilings, a cozy wood burning fireplace, and three large French glass doors that frame the scenic waterfront and provide seamless access to the oversized deck. Beautiful eastern sunrise light fills the space, creating a warm and welcoming atmosphere perfect for relaxing or entertaining. The kitchen features elegant cabinetry, granite countertops, stainless steel appliances, and a gas stove, with excellent potential to expand and open into the sunroom for a more modern and connected layout. The main level also includes a spacious living room with a large bay window that enhances the natural light throughout. Upstairs offers three generously sized bedrooms and a recently remodeled full bathroom completed in 2026. here is also an opportunity to add a private primary bathroom to further enhance the upper level. The lower level includes a versatile flex room ideal for a fourth bedroom, office, or playroom, along with a fully renovated bathroom and laundry area featuring a walk in shower. The exterior offers exceptional flexibility with a large driveway that can accommodate boats, trailers, campers, or multiple vehicles. There is also potential to build a garage with additional living space above, buyers to verify with the county, and the property is already connected to public water and sewer which simplifies future expansion. Perfectly located, this home has convenient access to Annapolis, Baltimore, DC. With endless restaurants nearby both from land & sea! If you are VA Eligible Buyer, financial advantage available with a VA assumable loan at 3.25% with an approximate remaining balance of $470,000. A truly special waterfront property offering lifestyle, flexibility, and long term potential.

A rare waterfront opportunity where unforgettable memories have been made hosting holidays, birthdays, weddings, and summer gatherings with family and friends along the scenic shores of Rock Creek just off the iconic Chesapeake Bay. Major system updates provide added peace of mind, including a new roof installed in 2026 and HVAC replaced in 2025. This charming three bedroom home, with potential for a fourth bedroom, sits quietly on the water offering peace, privacy, and stunning natural surroundings. Enjoy a coffee during tranquil mornings on the spacious deck overlooking the creek as the sun rises. Boater's dream with 5-6 feet mean water, 78' of bulkheaded shoreline, and a private pier rebuilt in 2017 which features electric, plumbing, kayak/canoe storage, a 2018 installed 12.5K lb lift, and an additional slip designed to accommodate a wide beam vessel. Inside, recently refinished floors create a fresh and inviting feel. The grand Florida sunroom is a true centerpiece, featuring vaulted ceilings, a cozy wood burning fireplace, and three large French glass doors that frame the scenic waterfront and provide seamless access to the oversized deck. Beautiful eastern sunrise light fills the space, creating a warm and welcoming atmosphere perfect for relaxing or entertaining. The kitchen features elegant cabinetry, granite countertops, stainless steel appliances, and a gas stove, with excellent potential to expand and open into the sunroom for a more modern and connected layout. The main level also includes a spacious living room with a large bay window that enhances the natural light throughout. Upstairs offers three generously sized bedrooms and a recently remodeled full bathroom completed in 2026. here is also an opportunity to add a private primary bathroom to further enhance the upper level. The lower level includes a versatile flex room ideal for a fourth bedroom, office, or playroom, along with a fully renovated bathroom and laundry area featuring a walk in shower. The exterior offers exceptional flexibility with a large driveway that can accommodate boats, trailers, campers, or multiple vehicles. There is also potential to build a garage with additional living space above, buyers to verify with the county, and the property is already connected to public water and sewer which simplifies future expansion. Perfectly located, this home has convenient access to Annapolis, Baltimore, DC. With endless restaurants nearby both from land & sea! If you are VA Eligible Buyer, financial advantage available with a VA assumable loan at 3.25% with an approximate remaining balance of $470,000. A truly special waterfront property offering lifestyle, flexibility, and long term potential.