Welcome to this charming and affordable starter home or investment opportunity in the heart of St. Catharines! This well-maintained property has seen numerous upgrades in recent years and offers incredible versatility. Currently featuring 3 bedrooms, the office and living room both with CLOSETS can easily be converted into a 4th and 5th bedroom, making it ideal for growing families or investors. With 3 full bathrooms and an additional 3-piece half bath, this home provides ample convenience for large households. Skylights in the kitchen, dining room, and second floor bring in beautiful natural light, while the carpet-free design ensures easy maintenance. Plus, the hot water heater is owned, saving you rental costs. Located in a prime area, this home is just steps from Richard Pierpoint Park, a historic 30-acre green space with bike trails, a disc golf course, and scenic gardens. Enjoy easy access to public transit, major highways (406), restaurants, shopping, and more! With R3 zoning, the property offers great potential for future opportunities. Move-in ready and a must-see!