Well-maintained and lovingly cared-for brick home in the St. Martin community offering much more than meets the eye! This versatile property is located in an area eligible for 100% USDA financing for qualified buyers, making it an option worth exploring with your lender. The main residence features approximately 1,118 sq. ft. with 3 bedrooms, 2 baths and an attached single-car garage. Fresh interior paint gives the home a clean, updated feel, while the primary bath features a walk-in marble shower. Vertical blinds and window treatments remain. Additional improvements include newer gutters, a newer attached garage door and opener, and a double-latch front storm door. A standout feature is the one-year-old Generac whole-home generator with remaining warranty and service plan. The generator is also equipped to power the A/C units serving the garage apartment. The main home features natural gas for the stove, water heater and HVAC. Out back is an incredibly versatile detached garage with a one-bedroom apartment above. The apartment includes a full bath, kitchen, cozy den, abundant storage, washer and dryer, two mini-split HVAC units and its own deck—providing flexible additional living space for guests, extended household needs, a home office or other uses. The detached garage is accessed from the driveway along the right side of the property and provides additional covered parking or an excellent workshop space. It also features its own bathroom, an additional laundry hookup—the property's third—and plumbing already in place for a shower. The detached garage door opener motor is new, and the bolted-down safes in the attached garage will remain. Additional property features include a clean-out connection at the rear right side of the home that was previously used for camper waste disposal, along with mature trees, established flowers and landscaping. With a main residence, separate garage apartment, detached garage/workshop, multiple laundry connections, whole-home generator and extensive storage, this property offers an impressive amount of versatility and functionality. Located in the St. Martin community and eligible for 100% USDA financing for qualified buyers. Buyer to verify square footage, USDA eligibility and all information deemed important.