Welcome to this well-kept semi-detached raised bungalow in the heart of the city, offering a unique chance to live upstairs while renting out the basement to offset your mortgage costs. The main floor features a cozy eat-in kitchen with direct access to a side-yard deck. The open-concept living and dining area boasts stunning hardwood floors. Flooded with natural light from a large bay window, the spacious living room sets the mood for relaxation. Two roomy bedrooms are on the main floor, including a master suite with walk-in closet. A bright 4-piece bathroom, enhanced by a skylight, rounds out this level. Downstairs, you'll find a fully finished basement perfect for an in-law suite or rental income. It includes two additional bedrooms with above-grade windows, a sizable rec room, a full bathroom, a mini-kitchen, and a separate walk-up exit to the backyard. The private deck in the backyard is your outdoor haven for gatherings. This home is conveniently located near downtown St. Catharines, Montebello Park, the 406 highway, the hospital, and Fourth Avenue. Easy access to city amenities like the Performing Arts Centre, the Meridian Centre, grocery shopping, and a variety of restaurants.