4606 Surf St.

Unique Windy Hill Coastal Retreat & Investment Opportunity Complete down-to-the-studs renovation completed in 2025. This home is truly unique not only because of its complete transformation, but also because of its rare setting. Situated on a street-to-street double lot in Windy Hill, the property offers a level of privacy and openness that is extremely difficult to find. The properties between this home and direct ocean access are parking lots, providing unobstructed ocean views that are rare for the area. The vacant lot next door further enhances privacy and creates an exceptional coastal setting. This home was not simply updated—it was completely redesigned with a new interior layout. Walls were relocated, spaces were reconfigured, and areas were opened and closed off to create a modern open-concept feel while maximizing functionality, flow, and comfort. The down to the studs renovation included all new electrical, plumbing, subfloor, drywall, and interior finishes, creating the quality, design, and feel of a brand new coastal residence. Due to the extent and completion date of the renovation, the home is currently insured by a carrier recognizing the property as a 2025 build, which may provide insurance advantages compared to older construction. The thoughtfully redesigned floor plan creates a spacious feel throughout the home. The primary suite features a walk-in closet and luxury bathroom with a walk-in glass shower, dual shower heads, and smart Wi-Fi speaker. The kitchen was completely upgraded with premium-line appliances, custom quartz countertops, and quartz extending into the oversized 9-foot island. Additional upgrades include recessed lighting, luxury LVP flooring throughout, custom tile in both full bathrooms and half bath, custom fabricated steel stair railing, separate upstairs and downstairs HVAC systems with individual smart thermostats, upgraded windows for increased natural light, sound-dampening underlayment beneath upstairs LVP, dedicated laundry room, oversized storage closets, new French doors, and secured storage beneath the staircase. Exterior upgrades create a true resort-style experience. The front parking pad accommodates four vehicles, with additional room for two more vehicles on the back of the property, providing six total parking spaces. The backyard features a custom 15x30 pool with blue plaster finish, built-in seating areas, attached custom 8x8 interior hot tub, waterfall feature, new Hayward saltwater pool system, programmable pool lighting, matching in-ground fire pit, approximately 1,400 square feet of pavers, and Tennessee River Rock landscaping. The entire pool and outdoor living area is enclosed by a 6-foot privacy fence, creating a private resort-style retreat. The outdoor living area includes a fully covered sitting area, approximately 800-square-foot deck with ocean views, upgraded cable railing, and mature coastal landscaping featuring Pindo palm and additional palm trees. This primary residence offers a true hybrid opportunity, combining luxury coastal living with proven short-term rental potential. The home has been utilized as a short-term rental during select months of the year while still allowing the owners, family, and friends to enjoy the property personally. Despite intentionally limited rental availability, the property has generated significant rental income and achieved exceptional nightly rates, demonstrating strong demand and substantial income potential. The owners have chosen to maintain this balance rather than operate the home as a full-time rental, preserving both personal enjoyment and future upside for a buyer. This rare combination makes the property ideal as a primary residence, second home, vacation retreat, or investment opportunity.