Welcome to this beautifully maintained luxury villa in the highly sought-after Mill Island at Worman's Mill, where resort-style amenities, scenic surroundings, and low-maintenance living come together in one of Frederick's most desirable communities. Nestled against a protected nature preserve and bordered by the Monocacy River and Tuscarora Creek, this exceptional home offers a peaceful setting with miles of walking and biking trails, pocket parks, and tranquil water views. Designed for comfortable living, this spacious four-level home features an open floor plan, hardwood flooring, a gas fireplace, and doors leading to a private fenced backyard. There is a living room and a formal dining room that opens to a gourmet kitchen. The gourmet kitchen is thoughtfully designed with granite countertops, upgraded cabinetry, stainless steel appliances, and hardwood flooring. Its open layout flows seamlessly into the main living spaces. There is also a powder room on the main level, making it ideal for everyday living and entertaining. A couple steps lead to the detached two-car garage. Upstairs, an expansive loft provides flexible living space perfect for a home office, media room, library, or additional guest accommodations. There are three bedrooms and two full baths, plus an upper-level laundry for added convenience. The unfinished lower level adds versatility for updates according to your needs. It has plumbing to add another bathroom and offers abundant storage. Residents enjoy an exceptional lifestyle with lawn maintenance, front landscaping, mulching, and snow removal included, allowing more time to enjoy the community's outstanding amenities. The Mill Island clubhouse features three swimming pools, tennis and pickleball courts, a fitness center, library, billiards room, locker rooms, putting green, playground, and gathering spaces overlooking the scenic Tuscarora Stream Valley. Just a short stroll away, Worman's Mill Town Center offers restaurants, cafés, shopping, seasonal farmers markets, food trucks, and outdoor concerts. Ideally located just minutes from Historic Downtown Frederick, Baker Park, Carroll Creek, and major commuter routes including US-15, I-70, and I-270, this home offers the perfect balance of luxury, privacy, convenience, and an active community lifestyle. Mortgage savings may be available for buyers of this listing.