Welcome to a rare opportunity to own in-town waterfront in Bancroft. Set on a private 0.50-acre lot with nearly 500 ft. of York River frontage, this property offers the peaceful feel of a waterfront retreat just minutes from downtown shops, restaurants, schools, healthcare and other amenities. Built in 2000, this immaculate and well-maintained raised bungalow offers approximately 2,600 sq. ft. of total living space, nestled among mature pines on a quiet dead-end street. The home features 3 bedrooms and 2 bathrooms, including a spacious open-concept country kitchen and dining area with warm wood cabinetry, abundant storage and room to gather. Main-floor laundry adds convenience, and a second laundry hookup in the lower level offers flexibility. In-floor heating and forced-air propane heating provide year-round comfort. The partially finished lower level includes a bright, large family room, third bedroom, second bathroom, workroom, cold room, utility and furnace rooms, plus ample storage. The layout of the lower level offers very good and attractive potential for an in-law suite. Enjoy kayaking, canoeing, fishing, wildlife watching or relaxing beside the river. The expansive frontage provides a sense of privacy rarely found within town limits. A substantial workshop with electrical service, garden shed and additional storage shed offer useful space for hobbies, equipment and storage. Whether you're a first-time buyer, growing family, retiree or investor, this distinctive property brings together significant waterfront, usable outdoor space, privacy and in-town convenience.