** Sellers have a 2.75% FHA assumable loan of approximately $400k** Welcome to this beautifully maintained 4-bedroom, 2.5-bath Colonial nestled in the desirable water-privileged Bay City community of Stevensville. Situated on over half an acre and just steps from the water, this home has it all and is just minutes from the Bay Bridge! The light-filled main level features gorgeous hardwood floors throughout and the well-designed layout provides spacious living areas flowing nicely into the updated kitchen complete with an eat-in area, kitchen island, stainless steel appliances and generous storage. The sunny Florida room located off the kitchen offers endless possibilities for daily use and overlooks the expansive backyard oasis - it is the perfect spot for morning coffee! Once you step outside and take in the thoughtfully designed space, you can choose to enjoy the patio area that has room for grilling and seating or relax on the separate deck that doubles as a custom-built playset. Sitting atop the deck you will be able to take in the sunset and water views of the Chesapeake Bay from your very own backyard! Back inside you will find the upper level offers a peaceful primary suite with an oversized closet and private bath along with three additional spacious bedrooms and a shared hall bath. Other features of the home include an oversized garage and attic with ample storage. Community amenities include water access, a boat ramp, playgrounds and much more! Get the best of both worlds with all that Kent Island has to offer and an easy commute to Annapolis, DC and Baltimore.