Cozy Shore House, Beach on one side, Bay on the other side

When my parents passed, I let my sister keep their house on the bay, so we stared looking for something at an elevation that would never be flooded. After going trough a number of homes, we decided on this one because one of my daughters thought it was charming, and she loved the contours of the upstairs ceiling. It was old, but the upstairs was much newer than the downstairs. Anyway, we lived comfortably until the Sandy Storm hit. The place that I thought would never get flooded did! All the downstairs hard wood floors warped. Once we ripped them up, to our surprise, we realized the lumber supporting the floors was nothing but sawdust. We literally gutted the whole first floor to the dirt and rebuilt the whole downstairs with "out of pocket" money because the insurance company said what happened was "deterioration," not flood damage. We don't regret what we had to do then, because if we didn't get flooded, we would have never known. So, if you decide to rent, you will be staying in a home much newer than it looks!