100% Financing Available! Nestled in the charming Owings Beach community, this ranch-style home offers a perfect blend of warmth and comfort , ideal for those seeking a serene lifestyle just blocks from the stunning Chesapeake Bay. With 1,420 square feet of thoughtfully designed living space, this residence features three bedrooms and two full bathrooms, ensuring ample room for relaxation and entertaining. Step inside to new vinyl plank flooring that flows seamlessly throughout. The traditional floor plan enhances the home's spaciousness, highlighted by a combination dining and living area that invites gatherings and cherished moments. The eat-in kitchen is equipped with stainless steel appliances, including a built-in microwave, self-cleaning oven, and dishwasher, making meal preparation a breeze. Additional features include freshly painted, ceiling fans for year-round comfort, custom window treatments that offer privacy and style. Recent improvements include a remediated & rebuilt crawl space, 2024 new insulation done in the attic, new roof in 2024 and new hot water heater. Enjoy outdoor living on the patio, perfect for al fresco dining or simply unwinding in the fresh air. You will love the 16' X 16' out building with so many possibilities. For those who appreciate the outdoors, this home offers private access to the Chesapeake Bay, just a short stroll away. Engage in activities such as canoeing, kayaking, and fishing. The rear yard offers a tranquil retreat, ideal for gardening or enjoying the serene garden/lawn views. Parking is convenient with a dedicated driveway, ensuring ease of access for you and your guests. This property is not just a home; it's a lifestyle. Experience the perfect blend of comfort and outdoor adventure in this lovely Owings Beach residence. Embrace the opportunity to make this property your own and enjoy the lifestyle it offers.