Chesapeake charm awaits at this waterfront cottage tucked along a quiet cove off Rock Creek! Whether you're seeking a weekend retreat or year-round living, this 2-bedroom, 2.5-bath home offers incredible potential with water views from both the living and family rooms. The great room features wood-paneled walls, beamed ceilings, and a masonry fireplaceperfect for cozy evenings. A separate family room with adjoining bedroom and bath makes an ideal in-law setup. The finished lower level includes a rec room, full bath, laundry/utility room, and walkout to a 3-season room with water viewsplus potential for a 3rd bedroom. Bulkheaded shoreline is perfect to tie up your jet ski or small boat, and just a few doors down, enjoy access to the communitys private docks, boat storage, and clubhouse. This cooperative requires Board approval, owner-occupancy, and may limit some financing options. The cooperative owns the 5 acres of property on the water, so you own the home, not the lot. Seller put in a gas boiler, gas water heater, A/C, incoming water pipes in the last 1-3 years. Home needs complete renovation, but offers a rare opportunity to create your dream waterfront escape at an affordable price!