This home qualifies for 100% financing AND rates 1.25 % bellow national average via local programs. Just 1.5 blocks from the water, this freshly renovated 2-bedroom turn key coastal cottage sits right in the heart of Warwick's Oakland Beach community - where marinas, the splash pad, and local dining beachfront dining can be a part of daily life. Inside, everything looks and feels brand new: a high-efficiency Navien heating system with baseboards, ductless mini-split for cooling, and gorgeous white-oak floors that flow through every room. The kitchen is a total showstopper with all-new cabinetry, butcher-block counters, Whirlpool appliances, and brushed-gold fixtures that tie perfectly into bathroom with laundry. Enjoy the fully fenced backyard - complete with patio, shed, and 3 season garden beds . There's off-street parking for two and every mechanical has been updated, so all you have to do is move in and start enjoying coastal life. Whether you're buying your first home, downsizing, or looking for an Airbnb-ready investment close to the beach, this one checks every box. Option to purchase furniture/decor makes this property truly turn key and move in/rent ready. No electric bill, Solar lease is $58 monthly. Flood insurance is $1,100 annually.