ASSUMABLE USDA LOAN AT 3.25%! Charm meets modern luxury in this beautifully appointed Cape Cod nestled in the desirable Rio Vista community of historic Saint Michaels. This thoughtfully designed 4 bedroom, 3 full bath two-story home is situated on a .34 acre setting and seamlessly blends traditional architecture with contemporary amenities, creating an inviting space perfect for both everyday living and entertaining. As you approach you'll be immediately captivated by the private setting. Nestled at the tranquil end of a street, the property offers an enviable sense of privacy and exclusivity. An expansive parking area greets you, generously accommodating multiple vehicles with ease – a rare and coveted feature in this sought-after waterfront community. The sun-drenched main level showcases gleaming hardwood floors throughout, leading you into a open-concept living space. The updated kitchen stands as the heart of the home, featuring a generous center island perfect for casual dining and meal preparation. High-end finishes include sleek granite countertops and premium stainless steel appliances, making this a chef's dream kitchen. Adjacent to the kitchen, discover a versatile bonus room that opens up endless possibilities – whether as an additional family room, home office, or formal dining area - this flexible space adapts effortlessly to your lifestyle needs. The main level includes two spacious bedrooms that share a tastefully updated full bathroom. Ascend to the second floor to find a private owner's retreat featuring a generous primary bedroom complete with en suite bath. A second spacious bedroom and well-appointed hall bath complete the upper level, offering comfortable accommodations for family or guests. Step into your pristine, level backyard – an outdoor sanctuary waiting to be transformed. The expansive, deep lot offers a canvas of possibility, inviting you to create your personal outdoor retreat. Whether you envision a lush garden, an a space for entertaining, this deep and level backyard promises endless potential for outdoor living and enjoyment. The coveted Rio Vista community delivers the quintessential Eastern Shore lifestyle with waterfront amenities, including private waterfront park and a marina with a kayak launch and seasonal small-boat slips. Perfectly positioned in Saint Michaels, with a bus stop nearby, this home puts you moments away from boutique shopping, fine dining, and the town's famous maritime charm. No town taxes! Experience the pinnacle of waterfront community living in this meticulously maintained Cape Cod – where privacy, convenience, and coastal elegance converge.