Duplex 3BR/2BA Co-op with Terrace + 3.5% Assumable Loan. Welcome to Unit 12B — a rare duplex three-bedroom, two-bathroom co-op offering space, comfort, and a *3.5% assumable loan*! Located in the heart of Bayside, this two-level home delivers a smart layout, natural light, and outdoor space in a well-maintained cooperative community. The main level features a massive and bright living area, a half bathroom, office/bedroom and a beautiful eat-in kitchen with ample cabinet space. Upstairs, you’ll find laundry, a full bathroom, two additional bedrooms, including a large primary suite that opens onto a private terrace — perfect for enjoying morning coffee or relaxing evenings. Additional highlights include hardwood floors throughout, excellent closet space, and a bright, airy feel. Just moments from schools, parks, shopping, and the Bayside LIRR station, this location offers unbeatable convenience. *Bonus:* Take advantage of a rare *assumable loan at just 3.5% interest* — a significant value in today’s market. This is your chance to own a spacious and unique Bayside home with unbeatable financing terms.