Affordable housing on your holiday wish list? Look no further! This charming property, originally a single-family home, was thoughtfully converted into a duplex many years ago and offers flexible living options to suit a variety of needs. The first-floor unit features two bedrooms, a full bath with classic wainscoting and a pedestal sink, kitchen with a breakfast bar, dining room with hardwood floors, and large living room highlighted by a gas stove and peaceful views of the South Stream. The second-floor unit offers a small bedroom, full bath with a brand-new toilet, kitchen with glass-front cabinets, and a spacious living room with a large closet. Both units include laundry hookups-the upstairs apartment has a washer and dryer, while the downstairs has space in the hallway for a stacked front-load unit. The dry basement with poured concrete floor provides abundant storage and includes a walk-out workshop. Additional features include town water and sewer, a shared forced hot air furnace and oil tank, separate electric meters and hot water tanks, and a detached garage with room for two cars, with attic storage above, plus an additional shed. Enjoy the outdoors with two wood decks, a level backyard, and newly installed concrete retaining wall. The home sits at a high elevation above the riverbed, meaning it is not in a flood zone, allowing you to enjoy river views or access with peace of mind. A versatile property with charm, functionality, and value-call today!