Rare direct bayfront opportunity! Enjoy the coveted Willoughby/Ocean View coastal lifestyle in this beautifully updated waterfront home offering 2,953 total SF. 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 (2,023 SF) 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 (930 SF) includes two bedrooms and two bathrooms, offering flexibility for guests, extended family, a private retreat, or potential rental income. Recent improvements include new HVAC 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.