89 Frances presents an exceptional investment and owner-occupant opportunity in a highly convenient location within walking distance to Parsons Memorial School, the Harrison Metro-North Railroad station, parks, restaurants, and local shopping. The first-floor unit features hardwood floors, an eat-in kitchen with sliding doors to a deck, spacious living and dining rooms, three bedrooms, and two full baths. The beautifully finished above-ground walkout basement offers expansive entertaining space complete with a wet bar, laundry area, remodeled kitchen, updated flooring and drywall, additional closet space, and stainless-steel appliances. The second-floor unit has been newly renovated with updated finishes throughout and wall-to-wall carpeting installed over hardwood floors. Extensive capital improvements completed between 2024-2026 provide exceptional value and peace of mind, including a new roof with lifetime material warranty and 10-year workmanship warranty, new gutters with gutter guards, boiler and AC tune-ups, dryer vent cleaning for all units, and upgraded electrical service with two new 100-amp meter panels approved by Harrison Town and ConEd. Additional updates include two new 50-gallon hot water heaters with 10-year warranties, remodeled basement kitchen with new flooring, drywall, and closet space, new Frigidaire stainless-steel appliances with active warranties, a renovated first-floor bathroom with new exhaust fans, updated kitchen range hoods, new Samsung refrigerator in the first-floor unit, and multiple new washer and dryer sets with transferable warranties. Both the first- and second-floor units also feature updated carpeting installed over existing hardwood flooring. Additional highlights include an attached oversized one-car garage and driveway parking for up to four vehicles. The property currently generates stable rental income with excellent long-term tenants in the second-floor and basement units, while the vacant first-floor unit offers immediate market-rent potential estimated at approximately $4,800 per month. A rare opportunity for investors and owner-occupants alike seeking strong cash flow, substantial recent upgrades, and long-term value in a prime Harrison location.