ASSUMABLE VA LOAN AT 3.375%! QUALIFIED BUYERS CAN TAKE OVER THE SELLER’S LOW RATE, SUBJECT TO LENDER APPROVAL. Rare opportunity to own directly on the Chesapeake Bay in Windward Key, where bayfront homes seldom come on the market. This 4-level, 3-bedroom, 3-full-and-2-half-bath coastal townhouse in Chesapeake Beach sits directly on the water with expansive Bay views and a private community sandy beach. Balconies on every level offer front-row sunrise views over the water and shifting sky and watercolor at dusk. The kitchen window frames its own daily sunset. The kitchen features Blue Pearl granite countertops, Dura Supreme semi-custom cabinetry in the white painted Arcadia Classic Deluxe finish, a 2022 LG stainless French-door smart refrigerator with ice and water dispenser, and a GE Profile stainless convection range. A gas fireplace warms the main living area, and motorized Hunter Douglas remote-controlled blinds cover the kitchen and both sliding glass doors, opening the Bay view or closing off the room for privacy at the touch of a button. Upstairs, two primary suites, each with its own private, enclosed en-suite bathroom. The fourth-level rooftop holds the third bedroom, also with its own full en-suite bath and private balcony access over the Bay, a true top-floor retreat, ideal for watching the Fourth of July fireworks. The fully finished, walkout lower level opens directly to the attached garage and a private deck on the Bay, and the garage itself adds almost 500 square feet with additional storage space. Recent updates include a 2025 foundation upgrade with a transferable lifetime warranty, a 2023 A.O. Smith 80-gallon water heater and whole-house water filtration system, a 2022 4-ton Trane XL18i heat pump, siding replaced in 2022, and a 2017 garage door and opener. Windward Key residents enjoy a private community beach for sea glass and shark teeth hunting, a saltwater in-ground pool, a boat dock (not included with this unit), a marina, pickleball and basketball courts, and kayak access to Fishing Creek. Traders Seafood sits directly across the street, and the North Beach boardwalk, Brownie Beach at Bayfront Park, the Rod 'N' Reel Resort, and a market plaza are all less than a mile away. A one-year American Home Shield home warranty conveys with the sale. Sold as-is.