AN EXCEPTIONAL OPPORTUNITY TO ASSUME THE EXISTING 4.75% Discover the charm and flexibility of the 3 - bedroom, 2.5 bath Coastal haven in Oyster Harbor, one of Annapolis most desirable water - privileged communities. AnThoughtfully designed for comfortable everyday living and the Chesapeake Bay lifestyle, the home offers inviting indoor spaces, outdoor entertaining areas, and access to exceptional community amentiies. Fresh updates - including interior paint make the home feel refreshed and ready to enjoy. On first level two bedrooms with adjoining Jack and Jill bathroom plus 1/2 bath and laundry room. Handsome hardwoods add warmth and character throughout the main living areas. A Wood burning fireplace creates a cozy focal point for cool evenings and relaxed gatherings. A large pantry provides valuable kitchen storage and everyday convenience. The spacious primary suite includes a private ensuite bath and an upper-level deck, offering a peaceful place to enjoy morning coffee or unwind outdoors. The second floor flex space can serve as a home office, sitting room, dressing area, nursery, or an opportunity to enlarge the primary bath. A screened porch extends the living space outdoors - ideal for dining, entertaining, or enjoying the quite surroundings. The fenced backyard offers privacy and room for pets, play, gardening, or outdoor entertaining. A dedicated grilling station makes hosting summer cookouts easy. The spacious garage includes a workshop area plus attic storage, with room for tools, bikes, paddle boards, boating gear, outdoor equipment, and Chesapeake Lifestyle essentials. Security system. Life here extends beyond the property lines. Oyster Harbor is a water- privileged community with access to a community marina, kayak rack, and beach, both a short stroll from the home. Enjoy boating, kayaking, fishing, swimming, or simple taking in the waterfront atmosphere without giving up the convenience of being minutes from downtown Historic Annapois. The community amenities are included through Oyster Harbor's tax district, helping make the neighborhood's recreational features part of the homeownership experience. Va Assumable loan @ 4.75% may be available. This home is more coastal charm - it is an opportunity to embrace the casual, connected, water oriented lifestyle of Annapolis