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46 Beneteau 2020 Boat for Sale

Wharf Rat

ASKING PRICE: $430,000 Watch Price

Annapolis, MD

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Wharf Rat Boat | 46' Beneteau 2020

WHARF RAT is a 2020 Beneteau Oceanis 46.1 in the sought-after three-cabin, two-head Alpi mahogany layout, extensively optioned from the factory and equipped since delivery for serious cruising. She is a deliberately specified East Coast boat: her owner ordered both the shoal-draft cast iron keel and the factory ICW-height mast, a combination that lets her run the Intracoastal Waterway and work the thin water of the Chesapeake without the compromises that force most 47-footers to go outside for the trip south. She has been privately owned since new and has never been chartered.


What sets her apart is everything that has been added for self-sufficiency. A Spectra Newport 400C watermaker, a Victron inverter system with Cerbo GX monitoring, Starlink and an IridiumGO! satellite communicator, three-zone air conditioning on a Cummins Onan generator, a Viking eight-person liferaft, a Para-Tech delta drogue and a Fortress storm anchor mean she can leave the dock and stay gone. The working sail inventory furls - a North Sails in-mast mainsail and 107% jib, and a Quantum Code 0 on an electric Profurl with wired and wireless remotes - with a Quantum asymmetric spinnaker and an unused Elvstrom storm jib to cover both ends of the range. All four Harken winches are two-speed electric, so two people handle her comfortably. The Yanmar 4JH80 has 816 hours with its 1,000-hour service already completed in Summer 2025.


Key Features:

  • Factory ICW-height anodized furling mast by US Spars - 63' 6" air draft, inside the Intracoastal Waterway's 65-foot fixed bridge standard that a standard-rig 46.1 at 66' 8" is not
  • Shoal-draft cast iron keel - 5' 9" draft
  • Upgraded Yanmar 4JH80 common-rail diesel, 80 hp, on saildrive with a Flexofold three-blade folding propeller - 816 hours, 1,000-hour service completed Summer 2025
  • Spectra Newport 400C watermaker
  • Comprehensive sail inventory - North Sails in-mast furling mainsail and 107% jib, Quantum furling Code 0 and asymmetric spinnaker, and an unused Elvstrom storm jib
  • Cummins Onan QD 7.5kW diesel generator with 36,000 BTU air conditioning across three zones - master cabin, saloon, and one unit shared between both aft cabins - with both heads air conditioned as well
  • Victron MultiPlus Compact 12V/2000W/80A inverter with Cerbo GX and display, and nine new batteries - all installed Fall 2024
  • Twin B&G Zeus³ 7" multifunction displays, one at each helm, with NAC-3 autopilot and hydraulic drive
  • Simrad radar installed Fall 2025, B&G NAIS-500 AIS transceiver, WS310 wireless wind, Airmar DST810 transducer and Precision-9 compass
  • Starlink high-speed satellite internet and IridiumGO! satellite communicator with external antenna
  • Highfield tender on hideaway davits with both a Mercury Avator 7.5 hp electric and a Suzuki 20 hp gas outboard
  • Viking 8UKL eight-person ISO 9650 liferaft in valise, Lifesling, MOB throw rope and MOB ladder
  • Four Harken two-speed electric self-tailing winches with digital buttons - two 50.2 genoa primaries and two 46.2 secondaries
  • Three cabins and two heads in Alpi mahogany with Ultraleather cushions throughout
  • Tunnel bow thruster with Quick control at the starboard helm
  • Pearl grey gelcoat hull with white stripes and graphics, matching grey halyard covers, and a fixed bowsprit rigged for both Code 0 and asymmetric spinnaker
  • Varnished teak cockpit table with integrated refrigerator, teak decking in the cockpit and on the swim platform
  • Electric fold-down swim platform, mainsail arch, dodger, bimini with side curtains and windows, connector and three-sided sun screens
  • 50A 125V/250V shore power with two 50A shore cords included
  • Delta 20 kg (44 lb) anchor with 105' of 3/8" chain and 147' of 11/16" rode, Quick windlass control at the cockpit with chain counter and a second remote in the sail locker
  • Para-Tech delta drogue, Fortress aluminum storm anchor and emergency steering tiller

Denison Yachting is pleased to assist you in the purchase of this vessel. This boat is centrally listed by David Walters Yachts. It is offered as a convenience by this broker/dealer to its clients and is not intended to convey direct representation of a particular vessel

Denison Yacht Sales offers the details of this yacht in good faith but cannot guarantee or warrant the accuracy of this information nor warrant the condition of this boat for sale. A yacht buyer should instruct his yacht broker, or his boat surveyors, to investigate such details as the buyer desires validated. This yacht for sale is offered subject to prior sale, price change, or withdrawal without notice. This boat may be listed with another yacht broker.

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Wharf Rat HIGHLIGHTS

Wharf Rat additional information

Specifications
  • Beam: 14' 0''
  • Hull Material: Fiberglass
  • Max Draft: 5' 0''
  • Cabins: 3
  • Heads: 2
Galley

The L-shaped galley is to port at the foot of the companionway, which is the right place for it on a boat this beamy: the cook wedges against the companionway module on either tack rather than being thrown across an open cabin. The counter is Clay compact with Corian fiddles, and the split cold storage - a top-loading freezer alongside a front-loading refrigerator - means frozen stores do not have to be dug out from under the day's food.

  • Top-loading freezer and separate front-loading 12V refrigerator
  • Two-burner propane range with gimballed stainless oven and guardrail
  • Microwave
  • Double-basin stainless steel sink with cutting-board cover
  • Pressurized hot and cold fresh water plus salt water foot pump
  • Clay compact countertop with Corian fiddles
  • Fitted cupboards, drawer stowage and bin under the sink
  • Opening portlight and hull port
Navigation And Electronics

NAVIGATION STATION

In place of a traditional chart table, Nauta specified a dedicated laptop desk against the forward saloon bulkhead to port with a flat-screen display mounted above it. It is a deliberate choice that reflects how these boats are actually navigated, and it buys back meaningful saloon volume in the bargain. Navigation is done from the Zeus displays at the helms; there is no chartplotter at the desk.

  • Dedicated laptop desk to port against the forward saloon bulkhead
  • Flat-screen display mounted above the desk
  • Meridian-function seat facing the saloon


ELECTRONIC SYSTEMS

WHARF RAT was ordered with both of Beneteau's B&G electronics packages rather than one: the Coastal pack at the starboard helm and the Offshore pack at the port helm. The practical result is a full B&G system with a Zeus³ multifunction touchscreen at each wheel rather than a plotter at one and a repeater at the other, with NAC-3 autopilot control at starboard, a Triton² instrument display at port and a WR10 wireless remote so the pilot can be adjusted from anywhere on deck. Radar, AIS, wireless wind and upgraded sensors were added on top, and the owner has since fitted Starlink and an IridiumGO! for communications well beyond cell range.

  • B&G Zeus³ 7" multifunction touchscreen at each helm - Coastal pack to starboard, Offshore pack to port
  • B&G NAC-3 autopilot computer with hydraulic drive
  • B&G Triton autopilot control at the starboard helm
  • B&G Triton² instrument display at the port helm
  • B&G WR10 wireless autopilot remote
  • Simrad radar - installed Fall 2025
  • B&G NAIS-500 AIS transceiver
  • B&G WS310 wireless wind sensor
  • Airmar DST810 depth, speed and temperature transducer
  • B&G Precision-9 compass and heading sensor
  • B&G V60 VHF with H60 wireless handset
  • Starlink high-speed satellite internet
  • IridiumGO! satellite communicator with external antenna
  • Windex masthead windvane


HELM STATIONS - PORT

  • B&G Zeus³ 7" multifunction touchscreen - Offshore electronics pack
  • B&G Triton² instrument display
  • Carbonautica black composite steering wheel
  • Harken 50.2 two-speed self-tailing electric genoa primary winch with digital button
  • Harken 46.2 two-speed self-tailing electric winch with digital button
  • Folding helm footrest
  • Gas bottle locker beneath the helm seat


HELM STATIONS - STARBOARD

  • B&G Zeus³ 7" multifunction touchscreen - Coastal electronics pack
  • B&G Triton autopilot control
  • Carbonautica black composite steering wheel
  • Single-lever engine control and instrument panel
  • Quick windlass control with chain counter
  • Quick bow thruster control
  • Waterproof USB socket
  • Harken 50.2 two-speed self-tailing electric genoa primary winch with digital button
  • Harken 46.2 two-speed self-tailing electric winch with digital button
  • Folding helm footrest
  • Helm seat with stowage locker
Construction And Key Features Of The Hull And Deck

HULL

The 46.1's hull is a Pascal Conq design and one of the more consequential shapes in the current Oceanis range. The canoe body flares hard to a chine immediately above the waterline - a stepped hull that keeps a narrow entry forward for a soft ride while carrying maximum beam aft for form stability and interior volume. Twin rudders keep a blade properly immersed when the boat heels onto that chine, which keeps the helm light when the breeze is up and makes her well-mannered backing down. The hull is a monolithic solid polyester laminate over a bonded structural counter-mold; the deck is an injection-molded fiberglass and Saerform foam-cored sandwich with a molded-in diamond nonskid.

  • Solid, monolithic polyester hull laminate
  • Monolithic structural counter-mold bonded to the hull
  • Stepped hull with hard chine above the waterline and narrow forward entry
  • Twin rudders on stainless steel stocks
  • Shoal-draft cast iron keel - 5' 9" (1.75 m) draft, 6,746 lbs (3,060 kg) ballast, bolted with stainless steel backing plates
  • Pearl grey gelcoat with white stripes and graphics, and matching grey halyard covers
  • Eight hull portlights
  • Molded-in toerail and raised bulwarks


DECK

The deck plan is arranged so that everything happens aft: all winches and stoppers are within reach of the two helms, which leaves the coachroof clear and the side decks unobstructed. Side decks are wide, the toerail is molded in, and the bulwarks are raised enough to give real footing when the boat is heeled. Forward of the mast, a deep belowdecks sail locker with a stainless ladder and shelving sits just aft of the anchor locker - the right arrangement for digging out a reaching sail without wrestling it up a hatch, and it carries a second windlass remote so the anchor can be worked from the bow.

  • Mainsail arch with integrated handholds and dodger anchoring point
  • Electric fold-down aft swim platform with intermediate step and teak decking
  • Hideaway retractable tender davits with electric inflator/deflator
  • Deep belowdecks sail locker with stainless ladder and shelving
  • Delta 20 kg (44 lb) galvanized anchor with 105' of 3/8" (10 mm) chain and 147' of 11/16" (18 mm) rode
  • 12V 1,000W vertical electric windlass - Quick cockpit control with chain counter, plus remote in the sail locker
  • Fixed bowsprit with integrated anchor roller and bobstay, rigged for both Code 0 and asymmetric spinnaker
  • Anchor and deck washdown, fresh and salt water
  • Self-draining chain locker
  • Six aluminum mooring cleats with stainless chafing plates, plus aft fairleads
  • Self-tacking jib track forward of the mast
  • Wide side decks with molded-in toerail and raised bulwarks
  • Bow and aft transom stainless protection
  • Double lifelines, open stainless bow pulpit, twin aft pushpits and coachroof handrails


COCKPIT

  • Twin Carbonautica black composite wheels with folding helm footrests
  • Varnished teak cockpit table with drop leaves, integrated refrigerator, stainless handrails, lighting and a dedicated liferaft locker within it
  • Teak decking in the cockpit and on the swim platform
  • Solid wood cockpit sole and slatted helm seats
  • Comfort trim level with fitted cockpit seating and bench extensions
  • Lounging pads either side of the companionway
  • Dodger, bimini with side curtains and windows, connector piece and three-sided sun screens
  • Waterproof USB socket at the cockpit table
  • Cockpit shower with mixer tap
  • Self-bailing cockpit with watertight bench lockers and a wet locker
  • Gas locker beneath the port helm seat for two 20 lb propane tanks
  • Two deck accesses for the emergency tiller
  • Electric swim platform control


MAST AND RIGGING

  • ICW-height anodized aluminum furling mast by US Spars - 63' 6" (19.35 m) air draft, against 66' 8" for the standard rig
  • Deck-stepped spar with two aft-swept spreaders and anodized aluminum boom
  • In-mast mainsail furling system
  • Cathedral-type single-strand stainless steel standing rigging with split backstay
  • Rigid boom vang
  • Facnor jib furler
  • Electric Profurl Code 0 furler with wired and wireless remotes
  • Fixed bowsprit with bobstay for Code 0 and asymmetric spinnaker
  • Self-tacking jib track with traveller forward of the mast
  • Genoa sheet tracks on the side decks
  • All lines led aft to the helm stations
  • Grey halyard covers matched to the hull


SAILS AND WINCHES

  • North Sails in-mast furling mainsail
  • North Sails 107% furling jib on a Facnor furler
  • Quantum furling Code 0 on an electric Profurl furler with wired and wireless remotes
  • Quantum asymmetric spinnaker
  • Elvstrom storm jib - never used
  • Two Harken 50.2 two-speed self-tailing electric genoa primary winches with digital buttons
  • Two Harken 46.2 two-speed self-tailing electric winches with digital buttons, one at each helm
  • Bowsprit rigged with both Code 0 and asymmetric spinnaker attachment points
  • New dedicated spinnaker halyard in addition to the Code 0 halyard
  • Upwind/downwind sail handling package
  • Self-tacking jib track fitted; no self-tacking jib is currently aboard
Ship Systems

ENGINE AND MECHANICAL

WHARF RAT carries the optional Yanmar 4JH80 - 80 horsepower against the 57 hp standard engine - on a Yanmar saildrive turning a Flexofold three-blade folding propeller. The folding blades matter more than they sound: they cut a real amount of drag under sail against the fixed three-blade that came as standard, and on a boat that will spend most of her life sailing rather than motoring that is worth having. She shows 816 hours and the 1,000-hour service was completed in Summer 2025. The engine sits beneath the companionway in a soundproofed compartment with access from the companionway and from both aft cabins.

  • Yanmar 4JH80 common-rail diesel, 80 hp (59 kW) - 816 hours, 1,000-hour service completed Summer 2025
  • Yanmar saildrive with Flexofold three-blade folding propeller
  • Tunnel bow thruster with Quick control at the starboard helm and dedicated batteries
  • 12V 125-amp alternator
  • Single-lever engine control and panel at the starboard helm
  • Soundproofed engine compartment with three air intakes and forced-air outlet
  • Sea water, diesel and water-separating filtration
  • Engine access through the companionway and both aft cabins


PLUMBING AND TANKAGE

Fuel is carried in a single 53-gallon rotomolded tank under the starboard aft berth. Fresh water is carried in the standard 98-gallon tank under the forward berth plus a factory 53-gallon second tank, for 151 gallons total - and with the Spectra Newport 400C watermaker aboard, tank capacity stops being the limit on how long she can stay out. Both heads have Jabsco Quiet Flush electric toilets that can draw either fresh or sea water, each with its own rigid holding tank.

  • Spectra Newport 400C watermaker
  • Fresh water - 151 gal (570 L) total across two rotomolded tanks
  • Diesel - 53 gal (200 L) rotomolded tank with electronic gauge and low-level alarm
  • Two rigid holding tanks - 30 gal (114 L) total
  • Jabsco Quiet Flush electric toilet, fresh or sea water - forward head
  • Jabsco Quiet Flush electric toilet, fresh or sea water - aft head
  • Salt water and fresh water wash at both heads
  • 11 gal (40 L) electric water heater with engine heat exchange
  • Pressure water system with expansion tank and inline filter
  • Electric shower drain pumps
  • Anchor and deck washdown, fresh and salt water
  • Cockpit shower with mixer tap
  • Electric and manual bilge pumps


ELECTRICAL SYSTEM

  • Cummins Onan QD 7.5kW 115V/60Hz diesel generator
  • 50A 125V/250V shore power with two 50A shore cords included
  • Victron MultiPlus Compact 12V/2000W/80A inverter/charger with Cerbo GX and display, installed Fall 2024 - wired as an inverter; battery charging is handled by the standard factory charger
  • 36,000 BTU 115V/60Hz air conditioning across three zones - master cabin, saloon, and one unit shared between both aft cabins; both heads air conditioned
  • Standard factory battery charger
  • 540 Ah house bank - nine new batteries installed Fall 2024 - with 12V 125-amp engine-driven alternator and battery charge display
  • Dedicated bow thruster batteries
  • Four Harken two-speed electric winches with digital buttons
  • 12V 1,000W electric windlass with cockpit control, chain counter and sail locker remote
  • Electric fold-down swim platform
  • Electric Profurl Code 0 furler with wired and wireless remotes
  • Waterproof USB socket at the starboard helm and at the cockpit table, plus USB sockets throughout the interior
  • LED navigation lights, overhead lighting and reading lights


AUDIO/VISUAL AND ENTERTAINMENT EQUIPMENT

  • Fusion MS-RA70 stereo with interior and waterproof cockpit speakers
  • Starlink high-speed satellite internet
  • IridiumGO! satellite communicator with external antenna
  • B&G V60 VHF with H60 wireless handset
  • Pre-wiring for a 110V saloon television with mahogany trim


SAFETY EQUIPMENT

  • Viking 8UKL eight-person liferaft in valise, ISO 9650 certified, recertified Fall 2024, stowed in the dedicated liferaft locker within the cockpit table
  • Lifesling with MOB throw rope and MOB ladder
  • Para-Tech delta drogue
  • Fortress aluminum storm and backup anchor
  • Emergency steering tiller with two deck accesses
  • B&G NAIS-500 AIS transceiver
  • B&G V60 VHF with H60 wireless handset
  • IridiumGO! satellite communicator with external antenna
  • Propane locker with Trident regulator and gauge, solenoid shutoff and gas leak detector
  • Electric and manual bilge pumps
  • Double lifelines, open stainless bow pulpit, twin aft pushpits and coachroof handrails
  • Emergency ladder on the pushpit


TENDER

  • Highfield tender on hideaway retractable davits
  • Mercury Avator 7.5 hp electric outboard - purchased 2025
  • Suzuki 20 hp gas outboard
  • LED bow light
  • Electric inflator/deflator
  • Kato Marine stainless steel outboard motor crane
Additional Information

BROKER’S COMMENTS

The 46.1 is the boat that finally made a big Beneteau make sense for the Chesapeake, and WHARF RAT is the best-prepared example of it I have seen. Two things separate her. The first is how she was ordered: the ICW-height mast and the shoal keel were specified together, deliberately, by an owner who intended to use the boat where most 47-footers cannot go. At 63' 6" she sits inside the Intracoastal Waterway's 65-foot fixed bridge standard that a standard-rig 46.1 at 66' 8" does not, and at 5' 9" of draft she can work the Bay's creeks and gunkholes rather than watching them go by. The second is everything added since. A watermaker, a Victron inverter system with Cerbo GX monitoring, Starlink, an IridiumGO!, a Viking liferaft, a Para-Tech drogue, a Fortress storm anchor and a tender with both electric and gas outboards are not boxes ticked on an order form - they are the equipment list of an owner who went places. Add 36,000 BTU of three-zone air conditioning on a Cummins Onan generator, a house bank and inverter renewed in 2024, and 816 easy hours on an 80 hp Yanmar with the 1,000-hour service behind it, and she is ready to leave for the Bahamas or to live aboard comfortably at a Chesapeake slip without a project list first.

  • Heavily optioned from the factory and materially upgraded since - privately owned from new and never chartered
  • ICW-height mast and shoal keel specified together - an uncommon and purposeful combination for East Coast and Bahamas cruising
  • Genuinely cruise-ready: watermaker, liferaft, drogue, storm anchor, satellite communications and 36,000 BTU three-zone air conditioning
  • Upgraded 80 hp Yanmar on saildrive with a Flexofold folding propeller - 816 hours with the 1,000-hour service completed Summer 2025
  • Sail inventory by North, Quantum and Elvstrom, with electric Code 0 furling and four electric winches
  • Tender with both a Mercury Avator electric and a Suzuki gas outboard on hideaway davits


REVIEWS

  • SAIL Magazine, Adam Cort, May 2019: "Case in point: the Beneteau Oceanis 46.1, a performance-cruiser that not only makes lots of sense but is a joy to sail."
  • SAIL Magazine, Adam Cort, May 2019: "It's easy to forget in this day and age that a 47-footer displacing over 23,000lb - lightship no less - is a big boat. Yet you hardly ever really notice it aboard the Oceanis 46.1, thanks to the boat's well-thought-out hardware."
  • Cruising World, Mark Pillsbury, May 2019: "On Chesapeake Bay, in about 10 knots of breeze with the 107 percent genoa unfurled, we tacked upwind at 7.6 knots. Cracked off to a reach, with the code zero set, our speed hovered right around 9 knots. On and off the wind, the twin wheels felt silky smooth."
  • Cruising World, Mark Pillsbury, May 2019, on the forward cabin: "The volume of the forward cabin redefines the term 'spacious.'"
  • Cruising World, May 2019, quoting Boat of the Year judge Tim Murphy: "On this boat, they've got twin rudders, and they certainly answered adequately."
  • Cruising World, Mark Pillsbury, May 2019, on the layout aboard the test boat - the same three-cabin, two-head arrangement as WHARF RAT: "I thought [it] would be quite usable for a couple who sails occasionally with friends or family aboard."

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