Experience refined waterfront living in this completely renovated rancher overlooking Saint Clements Bay. Originally built in 1966, this residence has been thoughtfully reimagined from top to bottom with extensive structural, electrical, and plumbing upgrades, blending modern luxury with effortless coastal charm. Situated on a waterfront lot, the property offers its own private L-shaped pier—perfect for boating, fishing, or simply enjoying peaceful bay views. The pier measures 91’ x 5’ with a 26’ x 10’ extension and approximately 7 feet of water depth to the decking, complete with a pier shed and brand new stairs leading from the home. The open-concept design welcomes you with sweeping water views the moment you step inside, creating a seamless connection between indoor and outdoor living. This home features 4 bedrooms, 2 full bathrooms, and 2 half bathrooms, offering both comfort and versatility. The primary suite serves as a private retreat with two closets and a spa-inspired bathroom featuring an oversized walk-in shower and double-sink vanity. High-end finishes flow throughout, including brand new engineered hardwood flooring in the main living areas, plush carpet in three bedrooms, and porcelain tile in three bathrooms. The designer kitchen is equipped with brand new quartz countertops, a gas stove with vent hood, refrigerator, dishwasher, wine cooler, and a dedicated coffee and wine bar area—ideal for entertaining or everyday enjoyment. Sliding glass doors and expansive windows frame stunning water views and fill the home with natural light. Outdoor living is elevated with a brand new waterfront deck, fresh siding on the sides and rear, a painted brick front, and a new front door, all enhancing curb appeal and durability. Major system updates include a brand new central AC and heating system, brand new gas water heater, an original heat pump serving the den addition, oil heat, and a fully improved crawl space with a new vapor barrier. The roof was replaced in 2009, along with new double-pane vinyl windows that fold in for easy cleaning. Additional highlights include two sheds, ample interior storage, and two on-property parking spaces. An optional, low-annual civic association fee provides access to picnic and swimming areas, boat ramps, and a playground. Conveniently located just an 11-minute drive to Leonardtown Square, offering a vibrant mix of shopping, dining, waterfront parks, historic charm, and year-round community events. This exceptional waterfront property offers a rare opportunity to enjoy modern luxury, private pier access, serene bayfront living, and close proximity to one of Southern Maryland’s town centers.