This custom WATERFRONT luxury home offers everything you could want, combined with the resort-style lifestyle that makes Worman's Mill so desirable. Enjoy peaceful mornings watching kayakers glide down the Monocacy River from your breakfast room, or sip coffee on the expansive 12' x 18 1/2' Trex deck, or cozy side porch while taking in views of fishermen casting along the water. From the moment you step onto the covered front porch and enter the grand foyer, you'll be impressed by the soaring two-story ceilings in the atrium and family room. The spacious living and dining rooms feature beautiful hardwood flooring, creating an elegant setting for everyday living and entertaining. The stunning family room is highlighted by a beautiful gas fireplace and an abundance of windows that frame breathtaking the views. The upgraded gourmet kitchen is designed to impress, featuring a massive 10.5' x 4.5' quartz-topped island comfortably seating 6, a stylish ceramic backsplash, upgraded cabinetry, and GE Profile stainless steel appliances, including a five-burner gas cooktop, double convection wall ovens, side-by-side refrigerator with ice and water dispenser, dishwasher with hidden controls, and more. A large pantry, mudroom, coat closet, and linen closet add convenience and functionality. The luxurious main-level primary suite offers three spacious closets and a spa-inspired bath with dual vanities, an oversized walk-in shower, and a freestanding soaking tub. Ascending the hardwood staircase with custom runner, you'll find three generously sized bedrooms, including one with an en-suite bath, plus an additional full hall bath. The enormous unfinished lower level provides endless possibilities and includes a full bath rough-in, plumbing for a wet bar or kitchenette, large window, and two walkout exits, making it ready for your custom design and future expansion. The original owners invested extensively in premium upgrades, including Andersen 400 Series tilt-wash double-hung windows with full screens, an upgraded sliding door, Trane furnaces and thermostats, a whole-house humidifier, and additional R-19 insulation in the oversized three-car garage. The garage also features insulated doors with openers. Additional enhancements include the side atrium door, a private side deck area, and custom shelving throughout the home-no wire shelving here. Residents enjoy exceptional community amenities, including swimming pools, scenic paved walking trails through the preserve, tennis and pickleball courts, basketball courts, a putting green, playgrounds, beautiful water features, and a clubhouse featuring a fitness center, library, and billiards room. Launch your kayak, canoe, or tube directly from Bluebell Path and embrace the waterfront lifestyle. The vibrant Town Center serves as the heart of the neighborhood, where residents gather to enjoy live weekend music, community events, food trucks, and outdoor dining. Choose from three neighborhood restaurants and enjoy al fresco dining just moments from your doorstep. This exceptional waterfront home combines luxury, comfort, thoughtful upgrades, and an unmatched lifestyle in one of Frederick's most sought-after communities.