Charming vintage Chesapeake Bay cottage just two homes from the bay. Enjoy the enclosed wrap-around porch with views of the bay. The kitchen features a bright and sunny dining area, while the main level offers a bedroom, full bath, and a living room with hardwood floors. The upper level includes two additional bedrooms, both with hardwood floors. The fenced rear yard includes a shed for extra storage. The home needs some updating and TLC, but it's filled with potential. Walk to the community pier, marina, clubhouse, beach, boat ramp, playground, and more. Conveniently located just 45 minutes from the D.C. metro area and 25 minutes from Annapolis. 100% financing available with a USDA Rural loan, and owner financing is available for qualified buyers at 4.95% with 20% down. Flood insurance is required.