Centrally located duplex in the heart of downtown St. Catharines, ideally situated along a bus route and close to all amenities. This well-maintained property features two self-contained units, including an upper unit offering a bright open-concept layout with a den and full bathroom, tastefully renovated in 2018 and vacant upon possession—perfect for an owner-occupier or to set market rent. The main floor unit is currently tenanted, providing immediate and stable rental income. Notable updates include a new furnace (2023), new upper AC unit (2023), roof replacement (2019), basement spray foam insulation (2018), and exterior painting (2021), offering added value and peace of mind. The basement includes shared laundry facilities for both units, along with additional storage space. Whether you're an investor looking to expand your portfolio or a buyer seeking to live in one unit while generating income from the other, this versatile property offers exceptional flexibility and long-term potential.