Situated on a private cul-de-sac lot in the sought-after waterfront community of Bay Hills, this spacious 4-bedroom, 3.5-bath home offers comfort, functionality, and exceptional living space across three finished levels. A welcoming front entrance leads to a thoughtfully designed main level featuring a private home office, formal living room, and elegant dining room highlighted by a charming bay window. The eat-in kitchen provides ample space for everyday living and entertaining, complete with its own bay window that fills the space with natural light. Just off the kitchen, the cozy family room features a fireplace, creating the perfect gathering spot for family and friends. Step outside to the deck and enjoy peaceful views of the private backyard, ideal for outdoor dining, relaxation, and entertaining. Upstairs, the spacious primary suite serves as a private retreat with a walk-in closet and an en-suite bath featuring a jetted soaking tub and separate shower. Three additional generously sized bedrooms and a full hall bathroom complete the upper level. The finished lower level offers even more flexible living space, including a large family room, a separate bonus room that could serve as a fifth bedroom, home office, gym, or hobby room, and a full bathroom-perfect for guests or extended living arrangements. Additional highlights include a convenient main-level powder room, attached two-car garage, and access to the community pier, providing opportunities to enjoy the Chesapeake Bay lifestyle. Ideally located near shopping, dining, parks, marinas, and major commuter routes, this Arnold home combines privacy, space, and community amenities in one exceptional offering. Mortgage savings may be available for buyers of this listing.