3-bedroom, 2-bath rancher in Elkton’s Kensington Courts with private Elk River water access and a flexible partially finished lower level. Designed for easy single-level living, this detached home keeps all bedrooms and baths on the main level while offering additional finished space downstairs for a rec room, office, gym, hobby area, or comfortable overflow living. The layout offers everyday function with room to spread out, while the full lower level adds valuable versatility beyond the main living space. Outside, the paved driveway, attached front-entry garage, inside garage access, and multiple parking spaces add convenience. Located approximately half a mile from the Elk River, the property offers private access for canoeing, kayaking, fishing, and swimming, creating a standout lifestyle opportunity in an established Elkton community.