Stunning, completely updated coastal home with INCREDIBLE VIEWS AND DEEDED ACCESS TO POPULAR URBANNA CREEK! Rarely available "in-town" location makes it easy to walk, bike or golf cart to the charming shops, restaurants & marinas in historic Urbanna, a popular boating/sailing destination & home of the famous Urbanna Oyster Festival. Water access and private boat ramp directly across from the oversized deck provides true waterfront living! Put your boat, water toys or your kayaks into one of the Middle Peninsula's favorite waterways or just sit on the expansive waterside deck and enjoy the amazing views. Stunning renovation throughout including new luxury laminate flooring throughout, a gorgeous kitchen (2019) w/white cabinets, quartz countertops & fireplace. Both baths have been renovated (2021 and 2022) with tile flooring, floor-to-ceiling tile showers, new vanities & fixtures. Along with 3 huge bedrooms on the main level, you'll find a large living room, dining room, and a light-filled great room w/water views, walls of glass & patio doors to deck. Rare full basement has utility, rec room area w/fireplace & a HUGE storage room. The oversized 2-car garage is deep enough to store your boat! Outdoor living includes an expansive waterside deck w/cable rails, great for entertaining or just watching the sunrise, a fenced back-yard (2019) & a huge driveway. New Roof in 2025 and new main level HVAC in 2024 complete this low maintenance, Furniture, golf cart & jet skis available for sale separately making it the perfect turnkey primary home, getaway or short-term rental property!