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Sellers are offering an $8,000 Use-As-You-Choose credit—perfect for paint, carpet, or closing costs! Welcome to the highly sought-after Neuse Harbour neighborhood—a voluntary HOA community offering waterfront access, a beach along the Neuse River, and the bonus of no city taxes. Motivated sellers! This home is listed below appraised value, making it an incredible opportunity to enjoy the Neuse Harbour lifestyle. Imagine living just steps from fishing, kayaking, or watching peaceful sunsets on the water—all without the concern of being in a flood zone. Conveniently located between MCAS Cherry Point and Historic Downtown New Bern, you'll love the balance of quiet coastal living with easy access to work, dining, and shopping. This beautiful 4-bedroom, 3-bath home is designed for both comfort and lifestyle. The living room features soaring vaulted ceilings, a cozy fireplace, and built-ins that create the perfect gathering space. The spacious kitchen flows easily into the living room and offers plenty of counter and cabinet space along with a huge walk-in pantry—a chef's dream for both storage and functionality. On the main level, you'll find two guest bedrooms with a shared full bath, as well as the primary suite, complete with trey ceiling, spa-like en suite bathroom featuring a walk-in shower, soaking tub, and an oversized walk-in closet. Upstairs, a versatile loft area provides room for a home office, game room, or second living space, and is paired with a fourth bedroom and full bath. Step outside to your large fenced-in backyard—perfect for entertaining, gardening, or simply relaxing. Right next door is an HOA-owned greenspace with a play area, adding even more room to enjoy the outdoors. Experience the Neuse Harbour lifestyle—peaceful, community-minded, and perfectly positioned near the Neuse River, Cherry Point, and all that New Bern has to offer. Up to $2,000 lender credit available with Danielle Wiram at Movement Mortgage!