Affordable housing on your holiday wish list? Look no further. This charming home-originally built as a single-family residence-offers generous space, character, and flexibility to meet a variety of needs. The current layout reflects a long-ago duplex conversion, but by reopening a now-closed interior door, it can easily function again as a cohesive single-family home. The main level offers two bedrooms, a full bath with classic wainscoting and pedestal sink, kitchen with breakfast bar, dining room with hardwood floors, and a spacious living room with a gas stove and peaceful views of the South Stream. Upstairs is another large bedroom with generous closet space, full bath with a brand-new toilet, second kitchen with glass-front cabinets, and an office with tree-house vibes. Laundry hookups are available on both levels, with a washer and dryer included upstairs and space for a stacked unit on the main floor. The dry basement with poured concrete floor provides ample storage and includes a walk-out workshop. Additional features include town water and sewer, forced hot air furnace and oil tank, separate electric meters and hot water tanks, and a detached two-car garage with attic storage, plus an additional shed. Enjoy two wood decks, a level backyard, and a newly installed concrete retaining wall. Set high above the riverbed and not in a flood zone, the home offers river views with peace of mind. A versatile property with charm, space, and value-schedule your showing today!