Rare Direct Bayfront Opportunity! Enjoy the coveted Willoughby/Ocean View coastal lifestyle in this beautifully updated waterfront home offering two thousand nine hundred fifty-three total square feet. Originally built in 1907 as a charming beach cottage and fully remodeled in 2005, the property blends historic character with modern convenience. The main residence (two thousand twenty-three square feet) features two bedrooms, two and a half bathrooms, a spacious great room, dining area, and detached garage nestled beside the Bay Oaks. A separate upper-level apartment (nine hundred thirty square feet) includes two bedrooms and two bathrooms, offering flexibility for guests, extended family, a private retreat, or potential rental income. Recent improvements include new heating, ventilation and air conditioning systems and washer/dryer sets. Elevated on reinforced concrete block construction with flood vents, helping maintain more affordable flood insurance while maximizing stunning bayfront living.