8827 Lafayette Dr, Owings, MD 20736

**ASSUMABLE 5.75% LOAN!!** Finding over 3,000 square feet of updated living space on a full acre just minutes from the beach is rare—especially in a quiet neighborhood with no HOA. This beautifully maintained home offers an incredibly versatile three-level layout, five bedrooms, multiple living spaces, and the kind of flexibility today’s buyers are searching for. Upon entering the home, you’ll find a spacious living room, including one of two brick fireplaces, a den, two generously sized bedrooms, and a full bath. This entire level offers tremendous versatility for everyday living, guests, a home office, playroom, or even multi-generational needs. The upper level serves as the heart of the home, with a stunning renovated kitchen featuring granite countertops, upgraded cabinetry, updated appliances, a large center island, and an elegant backsplash. The kitchen connects beautifully with the dining area and living room, creating an inviting space for both everyday life and entertaining. This level also features two additional bedrooms and two full baths, including the spacious primary suite with its own private bath. The finished lower level adds yet another dimension to the home, offering a large family room anchored by a second elegant brick fireplace, a beautiful custom bar, a fifth bedroom, and a convenient half bath. With its generous finished space and walk-out access, this level is ideal for entertaining, overnight guests, a recreation or media room, or additional private living space. Outside, enjoy the privacy and freedom that come with a full acre of land—plenty of room for entertaining, gardening, play, or simply relaxing in your own backyard. And with the beach just four miles away, weekends can be spent enjoying the water and everything this desirable location has to offer. Luxury vinyl plank flooring, updated lighting, replacement windows, newer HVAC, roof and siding, a recently replaced well pump, and a one-car garage mean many of the major improvements have already been completed, allowing the next owner to simply move in and enjoy. Located within the highly regarded Calvert County school district and offering convenient access to Annapolis, Baltimore, and Washington, D.C., this home delivers a rare combination of space, flexibility, privacy, and location. With five bedrooms, three full baths, a half bath, multiple living areas, a full acre, no HOA, and the beach just minutes away, this is an exceptional opportunity to enjoy the space you want and the lifestyle you’ve been looking for. Qualified buyers can assume the 5.75% VA loan of the current owner, with acceptable offer (buyer does not have to be a veteran to assume the loan).