No HOA here! Welcome to Duluth! This beautifully updated home, featuring a full, finished basement, offers everything you need and more. The neutral tones throughout the main floor create a warm and inviting atmosphere, perfect for both quiet nights at home and lively gatherings on the spacious back deck. The finished basement doubles as an in-law suite, providing an excellent opportunity for rental income - without the restrictions of an HOA. Situated in the charming town of Duluth, you'll enjoy top-rated schools, as well as a variety of shops and local restaurants. The galley kitchen boasts elegant granite countertops and sleek stainless steel appliances. With two driveways, accessing the home and finished basement is a breeze. The fenced backyard is ideal for gardening, outdoor activities, and pets to roam freely.