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Discover YES HOA INCLUDES INSURANCE. This exceptional 4-bedroom, 3-bathroom oceanfront end unit at The Summit @ Windy Hill in North Myrtle Beach! This rare find offers one of the lowest HOA's on the market for a 4-bedroom oceanfront condo, and insurance is included. Unlike condotels, this property qualifies for a wide range of traditional financing options, providing greater flexibility for buyers. Enjoy breathtaking, unobstructed ocean views from the spacious balcony, perfect for peaceful mornings or sunset evenings. Recent upgrades include brand-new sliding glass doors in both the living room and master bedroom, enhancing energy efficiency and showcasing stunning oceanfront scenery. With its unbeatable combination of value, location, and low carrying costs, this condo is not only a perfect beach retreat but also a fantastic investment opportunity with excellent rental income potential. Don’t miss your chance to own one of the most affordable 4-bedroom, 3-bathroom oceanfront condos on the coast so schedule your showing today!