Retired, or Planning Retirement? Then, you may have an interest in owning this perfectly designed and Completely Furnished, Two-unit, Coastal Living style, Victorian Cottage, situated in the quiet and rural, upscale enclave of Bar Neck on Tilghman Island, MD. This historic property is located on the outskirts of the renowned and iconic Fishing, Crabbing, and Boating Village of Tilghman on the majestic Chesapeake Bay. Tilghman Island is less than 15 minutes south of the vintage Harbor and Resort Town of St. Michaels, MD, known and recognized as the Heart and Soul of the Chesapeake Bay. The larger unit on the 1st Floor features a covered, rocking chair front porch, One Luxurious Bedroom, Full Bathroom with shower over tub, marvelous Living Room with a sectional, queen-sized sleep sofa, gas-fired, raised hearth fireplace, built-in book shelving, crown molding and pine hardwood flooring. The Spacious and Exceptional Country Kitchen and Dining Area is designed and equipped for First-rate Living and Guest Entertainment. The Laundry and Keeping Room is directly off the Kitchen with immediate access to the brick patio in the rear of the home. The Separate and Private efficiency apartment on the second level features a combination Compact Kitchen, Dining Alcove, Living Area with a full-size Sleep Sofa, which could be made as the 3rd Bedroom by having a Jack 'n' Jill bathroom between the Private Bedroom and Living Area. The entire home, with its two levels have been completely renovated in 2004, each having separate electric metering, new plumbing, new architecturally correct energy-efficient windows, a new on-site septic system, designed for a three-bedroom residence, Energy Efficient insulation and 6” of sound proofing between the 1st and 2nd levels. There are two separate, off-street parking areas for each unit to accommodate two vehicles each. BTW, the awesome sunsets from the Island are a sight to behold, and the important fact is that this adorable property is sited on a higher elevation and not in a flood plain. The price has been adjusted and reduced below market value to compensate Buyer for some deferred maintenance, which is verifiable by a Current (July 2024) Certified Appraisal. Above all retirement options, this is one of the most perfect economical and pleasurable places to retire in the event Assisted Living becomes necessary, without having the high cost of going to a long-term, assisted living care facility. The 2nd level efficiency apartment in this beautiful setting will provide accommodations for your personal care provider, if and when needed, great guest accommodations, property caretaker, or a supplemental rental income. This is for certain, a unique, one-of-a-kind property, and an excellent investment opportunity for being in such a fabulous rural setting situated among upscale waterfront estates and more importantly, this Bar Neck community of Tilghman Island is environmentally protected from further subdivision.