Bring your boat! VA assumable 2.875% interest rate loan! Rare 4-bedroom home in the desired water-privileged community of Bay City and Matapeake schools (buyer to confirm). This tastefully updated Cape Cod features two bedrooms on the main floor and two bedrooms on the second floor. The main floor boasts a separate family room, home office, laundry room, and an open concept kitchen which flows into the living room. You'll enjoy cooking and hanging out in this kitchen with granite countertops, upgraded appliances, and a separate coffee bar. Upstairs you'll find two more bedrooms, a full bath, and plenty of storage in the walk-in attic. The spacious garage boasts an additional storage loft. There are hardwood floors and carpet throughout the home. Enjoy relaxing on the oversized deck on one of the larger lots in Bay City. Plenty of space for the primary bedroom on the main floor as the current owners have it, or upstairs. **New roof installed Nov/Dec 2020** Public water and sewer; unused private irrigation well. Hot-tub sold 'as-is'. This water privileged community features a boat ramp, pier, pavilion, and two parks (not counting the adjoining county park!). Easy commute over the Bay Bridge to work and shopping in Annapolis and the Baltimore metro area.