Welcome to 492 Harbor Side Street in Belmont Bay where seller is offering a free 2/1 buy down! Save Over $15,670 in Your First Two Years! With a 2-1 temporary rate buy down, enjoy an interest rate that's 2% lower in your first year and 1% lower in your second year, giving you over $15,670 in potential savings during your first two years in the home! This spacious 3-bedroom townhome offers over 3,000 square feet across three above-grade levels, a two-car garage, and flexible living space throughoutThe main level features hardwood floors, a gas fireplace, generous living and dining areas, and an updated kitchen with brand-new GE stainless steel appliances with transferable warranties. Just off the main level is a large terrace with a new decking cover. Upstairs are two spacious primary suites, each with a private bath. The entry level includes an additional bedroom, full bath, and recreation room, ideal for guests, an office, gym, or second living area. Recent updates include new carpet and fresh paint throughout, a roof approximately two years old, hot water heater approximately three years old, brand-new appliances with transferable warranties, and the new terrace decking cover. Located in Belmont Bay near the marina, walking trails, VRE, shopping, dining, and historic Occoquan.