Whether you’re seeking a full-time residence or the ideal coastal escape, this inviting beach cottage delivers relaxed seaside living in an exceptional location. Welcome to 440 Panay in beautiful Morro Bay! This thoughtfully updated 2-bedroom, 1.75-bath home offers approximately 900± sq ft of living space, complemented by a one-car garage with generous storage and a welcoming front porch with a peekaboo ocean view. Step inside to vaulted wood ceilings, abundant natural light, luxury vinyl plank flooring, and a charming wood-burning stove that creates an immediate sense of warmth and comfort. The bright kitchen showcases new granite countertops, expanded cabinetry, updated lighting, and newer appliances—all included—making it as functional as it is stylish. Just beyond, the recently renovated bathroom features built-in storage, a striking white stone sink, and eye-catching teal tile in the shower for a fresh coastal feel. Toward the rear of the home, you’ll find two comfortable bedrooms with ample closet space. The “blue room” offers beautiful natural light and custom handmade mirrored closet doors, while the second bedroom includes its own updated ¾ bath along with slight views of Morro Rock and the iconic Three Stacks. The garage includes washer and dryer hookups and a tucked-away area ideal for additional storage. Need more car space? The carport out front is perfect for that. Outside, the fully fenced backyard is simply landscaped and ready for relaxing afternoons or weekend gatherings. Located within half a mile of the beach, restaurants, and schools, this move-in-ready coastal gem truly has it all—inviting you to settle in and start living your California beach dream.