4BR/2BA beach cottage with upper & lower level living rooms! Lower level is an additional 767 sq ft not included in ''heated'' sq ft. Flood insurance $2,388/yr. Per seller, ground level is insured. Only 1 flood claim over 15 year span. Ground level sq footage could be converted to heated sq footage with the addition of mini-split systems per HVAC contractor. Seller has extensively remodeled and updated lower level of this cottage to include: new vinyl windows & doors, waterproof laminate flooring throughout, new electrical & plumbing, a new wetbar installed and more. The ground level has large living room, bedroom, full bath and covered porch! Upper level has 3 BR's, full bath, kitchen & a dining area leading onto the fabulous Oceanside screen porch. Roof was replaced in 04'.