Private Retreat with Pool, Bay Views & No HOA - Flood Zone X This is a rare opportunity to own a private property with water views, outdoor living, and no HOA restrictions. The sellers are ready for their next chapter and welcome serious inquiries Tucked at the end of a private Crepe Myrtle-lined drive, this well-maintained home offers rare privacy, water views, and the freedom of no HOA, all located in FEMA Flood Zone X (no flood insurance required and no history of water intrusion). Surrounded by mature trees, the setting feels like a personal retreat while still offering convenient access to everyday amenities. Inside, the home features two welcoming entry points - a traditional front foyer and a functional mudroom/laundry entrance complete with utility sink, storage, and access to a full bath, ideal after a day by the pool or on the water. The main level offers multiple living spaces, including a parlor with custom built-in shelving and a cozy family room with a wood-burning fireplace. The fireplace stack extends to the second floor, providing efficient supplemental heating throughout the home. Sliding doors lead directly to the backyard oasis. The open kitchen is designed for gathering, with granite countertops, light wood cabinetry, stainless steel appliances, and a breakfast bar. Step outside to the deck and patio overlooking the in-ground pool, perfect for summer entertaining. A separate dining room overlooks the front yard. Upstairs, you'll find three bedrooms, including a spacious primary suite with walk-in closet, linen storage, and an en-suite bath featuring a jetted soaking tub and double vanity. An additional flexible room can serve as a fourth bedroom, office, or creative space. A long hallway provides additional storage. The backyard is where this property truly shines... multiple seating areas surround the in-ground pool, all framed by views of Black Walnut Creek and glimpses of the Chesapeake Bay. Both attached and detached garages offer generous parking and storage, and the fully concreted crawlspace adds even more functional space. The home is equipped with two burglar alarms, fire and carbon monoxide detectors, and a custom exterior camera system for added peace of mind. Come visit today!

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