This classic Victorian-style island cottage, priced at $499,000 and situated in an X Zone with no HOA fees, offers a delightful blend of charm and modern comfort. Boasting 4 bedrooms, 2.5 bathrooms, and a breezy floor plan, the residence features a well-appointed kitchen with granite counters and an island, a welcoming front porch, and a screened back porch off the Great Room. The first-floor Primary Bedroom en suite provides convenience, while three spacious bedrooms upstairs include one en suite with balcony access. With updates and upgrades throughout, including two large Jack & Jill bathrooms, the property is ideal for families and could generate $3200 as a long-term rental. Its central location allows easy access to a Community Park, Playground, and is just minutes away from the beach, making it an enticing opportunity at 11% below market value.