Only two owners, always owner occupied. Very well loved & maintained. Three units have been totally renovated and one given a modest update. Long term tenants, zero vacancy rate. Lower unit has beautiful Brazilian walnut floors, open concept w/L shaped living room allowing for library. European bi-folding doors open to beach side patio. Unit 2 is level entry 2 bdrms, one w/sliding doors that open to living room for the water view. Unit 3 & Unit 4 have the same floor plan. Large living rooms in open concept area with good size kitchens open to dining area and view. 3 bdrms, 2 baths & sauna. Top 3 units have nice decks. Waterfront fourplex owner occupied gets standard loan rates. We have original plans. Quiet Beach Dr, minutes to downtown.