Welcome to 45 Howe Street—where coastal charm meets thoughtful design. This unique, functional home sits on a quiet peninsula in Quincy with off-season water views and summer beach access—no flood insurance required. Steps from Gull Point Yacht Club, enjoy kayaking, swimming, and scenic trails year-round. Inside, gleaming hardwood floors flow from the entry into an oversized living room perfect for entertaining. A built-in hutch adds character to the dining room, while the spacious kitchen opens to a deck ideal for summer grilling. The first-floor primary suite features a custom walk-in closet and a large bath with Jacuzzi tub and shower. Upstairs, a lofted bonus room with a picture window offers peaceful water views, flanked by two roomy bedrooms and a full bath. The double lot provides space to play and potential in the detached garage. A rare gem by the bay—welcome home.