Nestled in the coveted and sought-after water-privileged neighborhood of Rugby Hall Estates along the Severn River, this timeless Dutch Colonial blends traditional design with warm, inviting spaces throughout. Offering four bedrooms, all with hardwood flooring and two-and-a-half baths, the home features a gracious living room anchored by a classic brick wood-burning fireplace with a custom mantel and rich hardwood floors that flow throughout most of the main level. The kitchen is thoughtfully designed with granite countertops, tile flooring, solid cherry cabinets, built-ins, a sunny eat-in area, soft close drawers, pull out shelving and a lighted cabinet for specialty items. A stunning Florida room showcases a wood ceiling and heated floors, creating a cozy year-round retreat, while a spacious deck steps down to a beautifully manicured yard with mature landscaping. A main-level office with propane fireplace provides the ideal work-from-home setting. Upstairs, the primary suite offers a private escape with its own wood-burning fireplace, dressing area, and walk-in closet. The walk-out lower level expands the living space with a recreation room featuring a brick wall fireplace with wood stove--perfect for gatherings with easy access to the outdoors. The professionally landscaped front yard features an inground sprinkler system and exterior lighting. A very efficient Geo-Thermal heating and A/C system keeps energy costs low. You will enjoy exceptional community amenities including a dock, waterfront playground, and pavilion, embracing the best of Severn River living.