This home allows for a 3.12% FHA Assumable Loan! Welcome to easy Eastern Shore living in the charming waterfront town of St. Michaels! This 3-bedroom, 2 bath, 1,232 sq. ft. home is located in the desirable community of Rio Vista offering direct access to the Miles River, complete with a community dock, boat slips, and boat ramp — perfect for boating, crabbing, paddleboarding, or sunset cruises.Enjoy the relaxed coastal lifestyle just minutes from shops, restaurants, marinas, and everything that makes St. Michaels so special. Residents also enjoy access to a community pool for summer fun.Whether you’re looking for a full-time residence, weekend getaway, or investment opportunity, this home offers the ideal blend of comfort, location, and waterfront amenities.