$406,000

Golf cart to the beach. Coffee on the oversized front porch. Firepit under the stars. And it qualifies for zero money down USDA financing. Welcome to 305 Cedar Lane in Westmoreland Shores — a beautifully maintained 3-bedroom, 2-bath ranch delivering nearly 1,800 square feet of one-level living in one of Colonial Beach's most beloved waterfront communities. Inside, it just flows. The open floor plan is drenched in natural light, with luxury plank flooring running through the main living areas. At the center of it all, a striking stone gas fireplace anchors the living space — warm in winter, beautiful year-round. The kitchen keeps everyone connected with granite countertops, abundant cabinetry, and a large center island with seating that opens directly into the dining and living areas. A primary suite that gives you options. Attached to the owner's bedroom is a rare flex room with its own direct access to the rear deck. Home office? Fitness room? Nursery? Reading retreat? Dressing room? It's whatever you need it to be — and it's a feature you won't find in most homes at this price point. Outside is where the memories happen. The covered front porch is big enough to function as a second living room — morning coffee, evening wine, neighborhood hellos. Out back, the large deck connects to a dedicated natural gas grill hookup and a gas firepit, so spontaneous cookouts and late-night fires are always on the menu. An oversized storage shed with electricity handles the gear. And yes — you can use a golf cart to get to the beach. What's been upgraded: Stone gas fireplace (2021) Tankless gas water heater (2021) Two encapsulated crawl spaces Freshly graveled driveway (2025) Recently surveyed — plat available Dual 120-gallon propane tanks convey serving both indoor and outdoor amenities The community earns its keep. Through the Potomac Westmoreland Shores Civic Corporation, residents enjoy private Monroe Bay beach access, a waterfront clubhouse, a community deck overlooking the water, boat ramp access, and boat slip rental opportunities — all for an incredibly affordable annual membership. It's the Chesapeake Bay lifestyle without the waterfront price tag. Minutes from everything that makes Colonial Beach special. Beaches, waterfront restaurants, marinas, festivals, boutique shopping, and the famous golf cart-friendly streets are all right around the corner. Commuters have a straightforward shot to Dahlgren, King George, Fredericksburg, and beyond. 305 Cedar Lane isn't just a well-maintained ranch — it's a lifestyle that starts the moment you pull into the driveway. Come see why the Northern Neck keeps winning people over.