Oblivion's one-room waterfront shack is the perfect player home

Here is what I want from a videogame player home. It should be a single room so I don't have to go through loading screens once I'm inside just to get to my stuff. It should have options so I can decide whether to give it wall hangings or not. And I should be able to reach it from a nearby fast travel point without passing any guards in case I have a bounty on my head...
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