Unlock the possibilities in this versatile property brimming with opportunity! Whether you're looking for a spacious single-family home or exploring the potential for an up-and-down duplex, this residence offers flexibility to fit your vision. Step inside to discover a massive upper-level living space featuring a HUGE living room that could be used as a bedroom and a beautifully updated, oversized kitchen with an adjoining dining area—perfect for everyday living and entertaining alike. Beneath the existing carpeting, you’ll find hardwood floors ready to be brought back to life, adding warmth and character throughout. The lower level is equally impressive, complete with a second full kitchen and full bathroom—making it ideal for a private in-law or teen suite, or a potential income-producing unit. With full bathrooms on both levels, the layout is both functional and accommodating. Major mechanical updates include a newer furnace, hot water tank, and windows, offering peace of mind for years to come. Set across four total lots, the property provides rare expansion potential. The two upper lots feature rear street access on Terrace St, presenting an excellent opportunity for a future garage, additional off-street parking, or even the possibility of added rental structures with survey from March 2026 available. Conveniently located right on the bus line and in move-in condition, this home is perfect for homeowners, investors, or anyone seeking space, flexibility, and long-term upside.