Rare investment opportunity a short distance to the beach with immediate income already in place: the smaller 2-bedroom, 1-bath unit is currently rented for $2,200/month, producing $26,400 annually before accounting for the larger 3-bedroom, 1-bath unit’s potential as either a short- or long-term rental. The tenant is currently on a monthly lease and has occupied the unit for 10+ years, adding a strong in-place rental history. Set in a location that is ideal for short-term rentals near Bradenton Beach, Anna Maria Island, Palma Sola Bay, and the Gulf beaches, this duplex offers a compelling combination of current cash flow, rental upside, multi-family zoning, and long-term flexibility. Situated on an oversized 14,566 sq ft multi-family zoned lot (zoned up to , the property features approximately 1,836 sq ft under air and 2,836 total sq ft. The larger 3-bedroom unit gives the next owner clear upside through long-term rental, seasonal rental, furnished short-term rental, or owner-occupant use while continuing to collect income from the smaller unit. With the current rent already established on the 2-bedroom side, the larger unit creates the opportunity to significantly increase total monthly income depending on lease terms, furnishings, management, and rental strategy. The lot is a major differentiator. Unlike many duplexes in this area, the property offers generous outdoor space, ample parking, tropical landscaping, tw screened lanais, detached garage/storage, and plenty of room to explore adding a pool or enhanced outdoor entertainment area. For investors targeting the short-term rental market, those outdoor features can be especially valuable, giving guests the private Florida setting they are looking for while helping the property stand out from more basic income listings. The property has the relaxed coastal presentation that works well for long-term tenants, seasonal guests, or vacation-rental use without requiring a luxury-level renovation to be appealing. The location is the heart of the investment story. 4512 99th Street W is positioned near Cortez Road, the bridge to Anna Maria Island and Bradenton Beach, waterfront dining, marinas, Robinson Preserve, Palma Sola Bay, shopping, and the broader west Bradenton coastal corridor. With two units, in-place income, a large multi-family zoned lot, strong outdoor appeal, room for future amenity upgrades, and a beach-adjacent location that supports multiple rental strategies, this property offers current cash flow, clear upside, and long-term flexibility in one of west Bradenton’s most strategic coastal rental markets.