226 S Willard AVE

Two-story corner-lot property in Phoebus with partial water views of Mill Creek and the Bay from the upper porch and deck! This versatile property is currently configured as a duplex featuring two separate units, each with 3 bedrooms and 1 full bath. The floor plan can also easily convert back into a large 6-bedroom, 2-bathroom single-family home. Interior features include classic hardwood floors, high ceilings, built-in bookshelves, and ceramic-tiled bathrooms. Outside, the property offers double covered porches and a detached garage. It is conveniently located near downtown Phoebus, Fort Monroe, and Buckroe Beach. The property is sold as-is and offers an excellent opportunity to add equity with minor cosmetic updates, including a fresh coat of paint and a ceiling drywall patch from a previously resolved upper-unit leak. Buyers may also have the opportunity to assume an existing VA loan at a 2.9% interest rate, subject to lender approval and qualification criteria. Whether you are looking for a flexible income-producing asset or a spacious primary residence, this property offers exceptional potential.