Perched directly above the river's edge on a unique island setting in the heart of Biddeford, this extraordinary waterfront property at 20 Pine Street offers breathtaking year-round panoramic river views from both floors and an impressive 57 feet of owned water frontage. Surrounded by the vibrant energy of Biddeford's thriving downtown -- including award-winning restaurants, coffee shops, boutiques, breweries, and celebrated arts scene -- this location delivers the perfect blend of waterfront tranquility and walkable urban convenience. Currently owner-occupied as a single-family home, this versatile property remains approved for multifamily use, presenting endless possibilities for homeowners, investors, or those seeking a flexible waterfront retreat. Inside, you'll find bright, open living spaces filled with natural light, warm wood flooring, and thoughtful updates throughout -- including updated flooring with radiant heat and a beautifully redone basement. Relax and take in the scenery from enclosed porches and private balconies that feel as though they're suspended above the water itself. Step outside to your own private dock and enjoy the ultimate Maine waterfront lifestyle with boating, kayaking, swimming, fishing, and unforgettable sunsets right from your backyard. Rarely does a property combine charm, flexibility, extensive updates, direct waterfront access, and an unbeatable in-town island location in one remarkable offering. A truly rare find in the heart of Biddeford!