Experience coastal living on the Chesapeake Bay in this light-filled home offering abundant living space and an open, airy floor plan with hardwood flooring throughout—no carpet anywhere. Exposed beams welcome you into the sunny living and dining area, where a wood stove, exposed brick, and a stone mantel create warmth and character. The great room is a standout, featuring walls of windows and French doors that open to a wooden deck and backyard, perfect for enjoying the natural surroundings. A generously sized main-level bedroom adds flexibility for guests, office space, or easy one-level living. There are 2 kitchens - The main kitchen features white cabinetry, stainless steel appliances, faux-quartz countertops, and under-cabinet lighting. Just beyond, you’ll find a large full bath with walk-in shower, vanity, and tile flooring, along with a spacious dedicated laundry room complete with washer, dryer, and water softener/treatment equipment. A second kitchen is in the apartment, see below description about the apartment. Upstairs offers three bedrooms, including a primary suite with Chesapeake Bay views, a walk-in closet, and a newly renovated full bath with tub and shower. All bedrooms continue the hardwood flooring & updated light fixtures for a cohesive and updated look. Set on a remarkable 0.76-acre subdividable lot, this property offers exceptional potential. Renovate, expand, or explore the possibility of building an additional home. There is a French drain installed all the way around the house and the lot includes multiple sheds for extra storage. The beautiful front gardens are worry-free, filled with strawberries, roses, lilies, and more, plus lovely views of the trees and the Bay. The only care needed for the gardens is to trim the roses. Don't miss the 1BR/1BA income-producing apartment with separate entrance, electric, HVAC and laundry. Features spacious bedroom, full bath, kitchen, living area, laundry & deck. Currently earning $1350/month. Located just steps from Owings Beach, this is a rare opportunity to enjoy Bay breezes and a lifestyle filled with fishing, kayaking, boating, swimming, and more.