Seller financing available with below-market interest rates, no points, and no PMI! Live the ultimate coastal lifestyle just one block from the beach in this elevated 4-bedroom, 4.5-bath multi-generational retreat with ocean views from the south-facing primary balcony. Designed for flexibility, the home offers three potential private living quarters, including an upstairs one-bedroom apartment with its own living room and full kitchen, a private studio ensuite with kitchenette, and a spacious main living area with an open-concept kitchen. Ideal for multi-generational living, guests, or income potential. Extensive upgrades include two new HVAC systems, all-new ductwork and electrical, tankless water heater, renovated kitchen and four baths, new tile flooring, resurfaced driveway and backyard, refreshed balconies, fresh interior and exterior paint, and a 220-volt outlet for a hot tub or EV charger. Inquire with the listing agent about financing or to have a 3D tour sent your way!