Secure and Secluded Luxury Living with Bay Views & Resort-Style Backyard Property is located in FEMA Zone X, has never had water on the property and seller is not required to have flood insurance Tucked away at the end of a private Crepe Myrtle-lined drive, this well-maintained luxury retreat offers the perfect blend of tranquility, style, and function—without the constraints of an HOA. Thoughtfully landscaped grounds and mature privacy trees create a serene front yard oasis, complete with Crepe Myrtles and a welcoming covered porch ideal for morning coffee and peaceful nature views. Step inside from either the elegant front foyer or the convenient secondary entrance into the mudroom/laundry area, complete with utility sink, storage, and access to a full bathroom. The home's interior opens up beautifully, beginning with a light-filled parlor featuring built-in shelving, flowing seamlessly into a spacious family room with a fireplace and sliding glass doors that overlook the backyard. The wood burning fireplace has a stack - that stairs wrap around - to second floor, providing full home heating. Designed for connection and comfort, the open-concept kitchen boasts granite countertops, light wood cabinetry, stainless steel appliances, and a breakfast bar with clear sightlines to the backyard and pool. Entertain effortlessly with direct access from the kitchen to the shaded deck and expansive patio—perfect for summer pool parties or cozy evening gatherings. Formal dining space offers bright, natural light and a view of the front yard. The home’s three bedrooms, including a generously sized owner's suite, are positioned for both privacy and comfort. The owner’s retreat includes a walk in closet with shelving, a linen closet, and an en-suite bath featuring a jetted, extra deep, long tub and double vanity. The ten foot hallway from the owner's suite to additional room with plenty of storage. An additional room currently serves as both an office and bedroom, offering flexible space for remote work or guests. Outside, enjoy your own private haven: a large open backyard with multiple seating areas, a sparkling inground pool, and views of Black Walnut Creek and glimpses of the Chesapeake Bay. The attached and detached garages provide ample space for vehicles, hobbies, or storage. The home's crawlspace is completely concreted in. This sweet retreat is kept safe and secure with two burglar alarms, fire and carbon monoxide detectors, and custom exterior CCTV (camera) system. This property is more than a home—it’s a retreat. Peaceful, private, and perfect for entertaining.