Set along the sheltered banks of Stony Creek, this nearly one-acre waterfront retreat offers a rare opportunity to enjoy Chesapeake Bay living with approximately 198 feet of riparian waterfront, a 135-foot dock with sailboat slip, and two boat lifts rated for 12,000 and 16,000 pounds. Save the ongoing expense of hauling and storing your sailboat by lifting her directly from your own dock after a day on the water. A covered 16 x 12 pavilion extends the shoreline experience, creating a welcoming setting for relaxing, entertaining, or simply enjoying the peaceful waterfront surroundings. Positioned approximately 48 feet above mean high water, the property captures sweeping views while offering a sense of privacy and elevation above the creek. Designed for easy one-level living, the ranch-style residence blends everyday comfort with a deeply connected, water-oriented lifestyle filled with kayaking, canoeing, wildlife watching, and endless sunsets reflected through expansive windows overlooking the water. Inside, the living room is framed by captivating waterfront views and anchored by a large red brick wood-burning fireplace with a variable speed blower insert that creates warmth and character throughout the adjoining living and dining spaces. A 2019 renovation thoughtfully updated the kitchen, living room, and dining room with insulation added to exterior walls, new windows including a bay window in the kitchen and a box window in the dining room, new front and rear doors, and movie accent lighting. The renovated kitchen features sparkling quartz counters, stainless steel appliances including a range and wall oven, a pantry, and a convenient pass-through to the dining room that keeps the layout open and connected. The home offers three bedrooms and three full baths, with two bedrooms featuring ensuite baths. New sliding glass doors in all three bedrooms create seamless indoor and outdoor flow to the surrounding decks. The expansive 20 x 20 primary suite includes private deck access and a remodeled ensuite bath completed in 2025, while new baseboard heaters installed in 2026 add comfort. Energy-efficient split units installed in 2019 provide heating and cooling throughout much of the home, complemented by an oversized efficient water heater for long, relaxing baths. Outdoor living is woven throughout the property. A custom paver patio topped by a pergola creates an inviting gathering space, while the grounds showcase easy-care landscaping filled with native plantings, pollinator gardens, spring blooming bulbs, and host plants that attract butterflies and birds alike. A lovely 5,000-gallon koi pond with a stone waterfall adds to the tranquil atmosphere, joined by terraced natural stone gardens, a freshwater bog near the shoreline, a sturdy handmade wisteria arbor with a wooden lawn swing, and fenced areas for both privacy and pets. The partially finished lower level adds flexible usable space currently serving as a studio, along with extensive shelving, a large wine rack, and a resurfaced cement laundry sink completed in 2026. Additional storage is found throughout the property, including attic storage in both the home and the detached two-car garage, which also features new electric garage doors installed in 2024. An Amish-built 12 x 24 shed with two lofts, circular driveway, and ample off-street parking further enhance the property's functionality. Ideally located, the home offers convenient access to waterfront recreation at Downs Park and Fort Smallwood Park, along with nearby dining at Mike's Crab House North, Bahama Mike's, and Kent Island Crab Co.. Boating access is nearby at Atlantic Marina on the Patapsco, while shopping, everyday conveniences, and commuter routes to Baltimore and Annapolis remain within easy reach. Please note: some photos have utilized virtual staging.