Private Home with Pool, Bay Views, and No HOA Located in FEMA Flood Zone X (no flood insurance required and no history of water intrusion), this well-maintained home sits at the end of a private Crepe Myrtle–lined drive with no HOA and strong privacy from mature trees. The home offers two entry points: a formal front foyer and a secondary entrance into a mudroom/laundry with utility sink, storage, and access to a full bathroom. The main level includes a parlor with built-in shelving, a family room with wood-burning fireplace, and sliding doors leading to the backyard. The fireplace stack runs to the second floor and provides full-home heating. The open kitchen features granite countertops, light wood cabinetry, stainless steel appliances, and a breakfast bar with direct access to the deck and patio overlooking the pool. A separate dining room faces the front yard. There are three bedrooms, including a primary suite with walk-in closet, linen storage, and en-suite bath with jetted soaking tub and double vanity. An additional room functions as a bedroom or office. A long hallway provides extra storage. The backyard includes an in-ground pool, multiple seating areas, and views of Black Walnut Creek with glimpses of the Chesapeake Bay. Both an attached and detached garage provide ample parking and storage. The crawlspace is fully concreted. The home is equipped with two burglar alarms, fire and carbon monoxide detectors, and a custom exterior camera system. A private property with water views, outdoor living space, and no HOA restrictions.