Long Beach Living at a Price That Actually Makes Sense: Raised, Renovated, and Built for Low Monthly Costs This one is hard to beat. It's a fully renovated, FEMA-elevated home in Long Beach with flood insurance of just $1,214 per year. The seller is also offering a contribution toward a buyer rate buydown, which can bring your monthly payment down to a number that makes coastal ownership realistic. Everything is already done. The main level has a bright, open layout with new flooring and a sleek updated kitchen with quartz countertops, stainless steel appliances, and a modern backsplash. There are three comfortable bedrooms and 1.5 updated baths, finished cleanly throughout. It's easy to live in, easy to maintain, and easy to rent. The elevated lower level adds a lot of value. High ceilings, a garage door, and a huge open footprint give you room for parking, storage, surfboards, bikes, beach gear, or a workshop, with flexibility for the future. The home also has a brand-new roof, low taxes, and both front and rear decks. The location works for commuting and for weekends. You're minutes from the LIRR for an easy ride into NYC, and close to the beach, the boardwalk, shops, and restaurants. With a low price, low taxes, low flood insurance, and a seller-assisted rate buydown, this is one of the most affordable ways to own a fully updated home in Long Beach. Homes set up like this don't come around often, so schedule your showing today.