Piankatank River Waterfront with Sand Beach & No Flood Insurance Required! Experience classic Chesapeake Bay living from this charming one-level waterfront cottage overlooking the beautiful Piankatank River. Outside the flood zone, this property offers the rare combination of stunning waterfront, a private sand beach, and the peace of mind that comes without mandatory flood insurance. Wake each morning to panoramic river views and spend your days boating, fishing, kayaking, or simply relaxing from the composite waterside deck. The spacious sunroom, accented by stained-glass transom windows and sliding doors, invites the outdoors in while providing spectacular views in every season. Inside, the welcoming living room features a cozy gas log fireplace flanked by custom built-in shelving. The kitchen offers an eat-at island and a large picture window framing the river, making every meal come with a view. The primary bedroom includes a private bath, while two additional bedrooms comfortably accommodate family and guests. A separate laundry room and adjoining storage room offer exciting potential to finish into additional living space, guest quarters, a home office, or hobby room. Outside, mature crepe myrtles, azaleas, camellias, and dogwoods create a colorful backdrop throughout the seasons. Additional features include a roof less than five years old, vinyl siding, LeafGuard gutters, a carport with electricity and generator hookup, and a detached storage shed. The existing pier is in need of repair, offering the opportunity to restore private water access tailored to your boating lifestyle. Conveniently located less than four miles from Deep Point Boat Ramp with an easy commute to Gloucester, Middlesex, and Mathews, this waterfront retreat offers the perfect balance of tranquility and accessibility. Whether you're searching for a full-time residence, weekend escape, or vacation getaway, this Piankatank River cottage is ready for its next chapter-and yours.