A Rare Bayfront Opportunity in Montego Bay! Experience coastal living at its finest with this cherished bayfront home in the highly sought-after Montego Bay community of Ocean City, MD. Owned by the same family since 1979, this property has been lovingly maintained and offers breathtaking panoramic views of the bay and Ocean City skyline, perfectly positioned to capture stunning sunsets. Boasting 4 bedrooms, 3 full baths, and a versatile loft, the open floor plan is filled with natural light, creating an inviting space for entertaining or relaxing. The primary suite, located on the main level, features an en-suite bath, while two additional bedrooms, a full bath, and a laundry room provide convenient living. Upstairs, a spacious fourth bedroom with a private bath and loft offers additional living or guest space. This home was constructed with 2x6 exterior walls, enhancing its energy efficiency and structural integrity. It also includes thoughtful features such as Anderson windows, vinyl bulkheading for added peace of mind, and a heat pump that's only three years old. Step outside to a beautiful covered porch with coveted Southern exposure, perfect for enjoying the coastal breeze. The private dock is a boater's dream, complete with a boat lift and jet ski lift, making it easy to explore the bay. This home also features a crawl space with a concrete floor, offering enhanced durability and peace of mind. Montego Bay is a highly desirable neighborhood known for its relaxed lifestyle and outstanding amenities. Residents enjoy two outdoor swimming pools, pickelball court, a mini-golf course, shuffleboard courts, crabbing and fishing piers, and an 8-acre wildlife sanctuary with a 5-acre pond and blacktop walking path, all with incredibly low HOA fees. Its prime location near Northside Park, shopping, restaurants, and the beach ensures easy access to Ocean City's top attractions. This home is an exceptional find for year-round living or a vacation retreat, and it is being sold furnished. Don't miss your chance to own this slice of paradise--schedule your private showing today!