Opportunity meets lifestyle in this year-round beach bungalow located in the highly desirable Cosey Beach community-with no flood insurance required. Whether you're an investor, first-time buyer, or someone looking to create equity near the coast, this property offers the rare chance to secure a coastal home with strong upside potential.Enjoy beach rights to Palmetto Trail, along with nearby community amenities including a splash pad, bocce court, and local restaurants-features that enhance both lifestyle and long-term value.Situated on a rare double lot, the exterior already offers great potential with an enclosed front porch, deck, detached shed, and room to expand or enhance over time. Inside, the home offers a flexible and functional layout, living much like a ranch with additional space upstairs. The main level features an eat-in kitchen, laundry room, living area, and a large great room that could easily function as a primary bedroom, allowing for one-level living if desired. Upstairs includes two additional bedrooms. This home does require updates and improvements, but for the right buyer, the opportunity is clear. Hardwood floors, a versatile layout, and an unbeatable coastal location provide a strong foundation to renovate, personalize, and build equity over time. Coastal property + no flood insurance + double lot + beach community lifestyle = exceptional potential for investment, appreciation, or long term enjoyment