Seller will consider owner financing with acceptable terms on this charming 3-bedroom, 2-bath home in a waterfront community. You'll love the generously sized kitchen, complete with stainless steel appliances and a large sink. The living room is warm and inviting, perfect for relaxing or entertaining. The spacious master suite features a recently remodeled bathroom, while the two additional bedrooms boast new plank flooring and share a full hall bath. The garage has been converted into a heated bonus room with laundry hookups included and can easily be converted back into a garage. The attic is massive and accessible from the garage. You will not believe the storage space! Additional updates include a newer roof, HVAC system, and a large backyard with multiple storage sheds--one of which is a spacious 12x28 unit installed in 2016. A back deck and pergola offer the perfect setting for outdoor entertaining. Located in the desirable Bray View Landing neighborhood, this home comes with access to a private community boat ramp. Best of all, it's in Zone X (no flood insurance required).