Take advantage of a rare opportunity with a 2.75% assumable loan on this stunning 4-bedroom, 3.5-bath waterfront retreat in a private, gated community overlooking the serene waters of Totuskey Creek. Nestled in the heart of the Northern Neck, this picturesque escape offers over 2,700 square feet of thoughtfully designed living space with luxurious finishes throughout. Step inside to find exquisite quartz countertops, elegant hardwood flooring throughout, and a modern gourmet kitchen featuring a stainless farmhouse sink, classic subway tile backsplash, and 42-inch cabinetry. The open-concept layout seamlessly connects the kitchen to the main living area, complete with a dedicated dining space—perfect for entertaining or intimate gatherings. Unwind on the double-decker screened-in porches while soaking in the tranquil waterfront views, or retreat to your expansive owner’s suite with a walk-in closet and spa-like en suite featuring a stand-alone soaking tub, dual vanities, spacious shower and exclusive access to your upper level, screened deck. A second full master suite with a walk-in closet and private bath offers ideal accommodations for multi-generational living or a home office. The upper level also includes two additional bedrooms, a full bath, and a convenient laundry room. High-speed broadband is available, ensuring seamless remote work and entertainment. Embrace the ultimate “Rivah Life” with access to the floating community dock, which includes your deeded deep-water boat slip (18 feet at high tide), offering an easy 8-minute , unimpeded cruise to the Rappahannock River. Additional community amenities include a pool with a covered picnic area and a storage lot for boats and RVs. Ideally located next to the public boat ramp and just four miles from the charming restaurants and shops of Main Street, this home is the perfect blend of luxury, comfort, and waterfront living.