Incredible opportunity to own a waterfront home overlooking the Rappahannock River in the charming town of Urbanna! Golf cart to town which offers, shops, dining, a pool, tennis courts, a marina, & much more! Keep your view & enjoy your boat at the nearby marina, sale includes a slip (Slip 13) at Urbanna Harbor Yacht Club. Originally built in 1957, this captivating cottage has been expanded over the years, combining charm with thoughtful modern additions. The main level boasts breathtaking river views the moment you step through the front door. Highlights include 3 wood-burning fireplaces, 1 gas fireplace, & a wonderful entertaining floor plan. The Living Room has a wood-burning fireplace & leads to the Sunroom with floor-to-ceiling windows & a gas fireplace. The Gourmet Kitchen has a wet bar, built-ins, a fireplace, & a walk-in pantry & is just off the formal dining area. The primary suite has sweeping views, a sitting area, high ceilings, a washer/dryer, a walk-in cedar closet, & a steam shower. Two other bedrooms & 2 bathrooms in the main home plus a Butler's kitchen & a game room with the 3rd wood-burning fireplace. The detached over-sized garage has a guest house above with a living/dining area open to the kitchen, & a bedroom & a bathroom. No restrictions, no HOA. Current owners have used the guest house as a rental over the years. Rarely do waterfront homes come on the market in this town. Enjoy your front-row seat to gorgeous river views. Don't miss this rare chance to own a piece of Urbanna's Waterfront!