This lovely waterfront rancher sits on 3.6 private acres along picturesque Stutt’s Creek, just minutes from the Chesapeake Bay and 5 minutes from downtown Mathews! Secluded along over 210 feet of natural shoreline, this home is ideal for boaters and nature lovers with its private pier, featuring two boat lifts, a fish cleaning station, and active oyster beds. Key features include, finished bonus room off kitchen, NEW paint, NEW decking, studio apartment above detached garage, koi pond, beautiful, NEWLY finished wood floors, generator and plenty of storage with detached shed and garage. As you step inside, you will enter a spacious foyer that flows into an open-concept family room featuring wood floors, a gas fireplace with custom wood mantel and built-in cabinetry. The kitchen is complete with granite countertops, tile backsplash, stainless steel appliances, countertop seating, a large eat-in area with glass doors that offer water views and access to the wrap-around surrounding deck. Off the kitchen, is a finished bonus room with ceramic tile floors, Pella windows and decorative wainscoting. The primary suite is complete with built-in bookshelves, walk-in closet, jetted tub and walk-in shower. Step outside from the en-suite bathroom onto the expansive back deck where you’ll enjoy views of the water and your very own koi pond. Highlighting this property, is a two-car detached garage with a 756 sq foot studio apartment above that includes a KITCHEN and FULL BATHROOM- perfect for guests or a rental opportunity. In addition, the charming “Little House”, located next to the driveway, offers versatile space for storage or a workshop. This property is adorned with vegetation that blooms throughout the year, adding to the natural beauty of this serene setting. Schedule your private showing today!