This solid 1.5 storey home in the heart of downtown St. Catharines checks a lot of boxes, but the one that might matter most right now is this: a fully self-contained 1-bedroom in-law unit in the lower level with its own walk-out separate entrance. This layout also works beautifully for multi-generational living. Whether it's aging parents who want their own space, adult kids coming back home, or a family that simply wants two households under one roof, the separation is there without anyone feeling like they're on top of each other. The main and upper floors have been fully renovated and done right. New custom kitchen with quartz countertops, stainless appliances, and tons of storage, new luxury vinyl plank flooring throughout. Two full bathrooms. Three bedrooms up, plus the suite below. Outside, you've got a large fully fenced backyard and a quiet residential street that's still walkable to everything the downtown has to offer. Coffee, groceries, restaurants, it's all close by. If you've been watching the market wondering how you'd ever make the numbers work, this home is definitely one to see.