Charming starter home or investment opportunity in the heart of St.Catharines! Welcome to this adorable and affordable home located in a central, convenient area of St.Catharines. Offering three bedrooms and one full bathroom, this property is perfect for first time buyers, downsizers or savvy investors. You'll immediately appreciate the inviting curb appeal and the private driveway with space for 2-3 vehicles. Inside, the main floor features a spacious living room and a separate dining area, both finished with newer laminate flooring. The bright white kitchen offers a gas stove, ample cabinetry and plenty of natural light. A key bonus on the main level is a convenient bedroom, ideal for guests or flexible living. Upstairs, you'll find two additional bedrooms each with their own closet and also finished with easy-care laminate flooring. The lower level is clean, open and ready for your finishing touches, and includes an updated 100-amp electrical panel. Step outside to a fully fenced backyard complete with a large deck, black aluminum railings and a stylish pergola. This home offers incredible value at this price point and is situated close to schools, parks, public transit and highway access. Everything you need is right at your doorstep!