This Long Beach coastal cottage checks all the right boxes—starting with the financing. The home comes with a 2.75% assumable loan, giving qualified buyers the chance to secure a rare, below-market rate that’s almost impossible to find today. Inside the main home, you’ll find 3 bedrooms and 3 bathrooms across roughly 1,159 sq ft, plus a detached studio with a kitchenette and bath—about 270 sq ft of flexible space ideal for guests, extended family, or whatever suits your needs.Hardwood floors and abundant natural light create a warm, welcoming feel throughout. The living room leans into its beachside charm with shiplap walls, a custom wood-framed fireplace, and subtle surf-inspired details that feel thoughtfully curated. The kitchen has been tastefully updated with butcher-block countertops, a tile backsplash, stainless steel appliances, and a movable island that adds both style and function.The primary bedroom includes a private ensuite with a walk-in shower. The additional bedrooms offer great versatility—one is currently set up as a home office and includes its own full bathroom. An interior laundry room adds everyday convenience.Out back, the yard becomes its own retreat. The custom rock-style pool features a waterfall, slide, and bridge, while the covered patio with string lights sets the stage for year-round outdoor living—a true perk in Southern California. The detached studio offers even more possibilities with its kitchenette and bathroom, though buyers should independently verify permitted use and square footage. Additional highlights include central HVAC, updated bathrooms, ample driveway parking, and a welcoming front porch. With beaches, dining, and shopping nearby, this home is ready for its next chapter.