This 3-bedroom, 2-bath home offers a flexible layout, a spacious lot, and a location that puts you close to amenities. The main level features a living area, kitchen, laundry room, full bath, and convenient storage tucked beneath the staircase. Upstairs, all three bedrooms are located alongside a second full bath and a generous landing area that could serve as a sitting nook, reading space, etc. A covered second-floor deck provides outdoor space to relax and unwind, and exterior stairs allow direct access to the upper level. Situated on approximately 0.39 acres, the property also includes a detached storage building with power, offering roughly 250 square feet of space for hobbies, projects, storage, or workshop use. Located just a few miles from the beach and within easy reach of downtown's local shops, dining, nightlife, and art scene. Whether you're looking for a primary residence, second home, or investment opportunity, this property offers plenty of possibilities in a location that continues to draw both visitors and locals alike. FHA 203k eligible with Insured Escrow (subject to FHA appraisal) and qualifies for the $100 down program. Speak to a lender for more information & to see if you qualify too! Property owned by the US Dept of HUD. Equal Housing Opportunity. HUD case 281541728. Bids are to be submitted by HUD registered agents/agencies electronically on HudHomeStore site. HUD homes are Sold As-Is. Managed by Olympus Asset Management Services. Home was built prior to 1978 and may contain lead-based paint.