Stunning Direct Bayfront Over and Under Duplex Treasure! This 2,953 sf Beachfront duplex is priced $10K below recent appraisal. Enjoy the Willoughby/Ocean View lifestyle while earning investment rental income to afford the good life! This 1907 Beach Cottage was spectacularly remodeled inside and out in 2005. Open Floor plans in both upstairs and downstairs units. Owner occupies the 2 bedroom, 2.5 bath first floor unit with great room, dining room and detached garage tucked beside the Bay Oaks. Upstairs unit will be rented from 08/07/2023- 08/07/2024 for $2350/mo. Home is raised on reinforced concrete block with flood vents reducing Flood insurance to $756 yr.