Charming multi-family property with exceptional curb appeal and income-producing in a convenient downtown St. Cloud location! This well-maintained property offers three levels of living space, making it an ideal addition to an investor portfolio or an owner-occupant seeking supplemental income. The main level is owner-occupied and offers two bedrooms, one bathroom, kitchen, dining and living areas, laundry, a front porch, and a 2-stall garage. Potential income $1,700-$1,900 per month. The upper level features three bedrooms, currently rented separately, along with a shared kitchen, living room, stacked laundry, bathroom and balcony. Current monthly bedroom rents total $1,725. The lower level rents for $900/month (Friends living there, Potential $1,000-$1,200) and is configured as a one-bedroom with a walk-in closet and office nook, kitchen, bathroom, living room and laundry/utility room. Additional highlights include six off-street concrete parking spaces, a low-maintenance stucco exterior, updated plumbing (2008) and electrical (2008) throughout all three levels, and dedicated electrical panels for each level. 75 year Architectural shingles were installed in 2005. Each unit has a washer and dryer, thermal-pane tilt-in windows (2008), and solid wood doors in 2010. Excellent location within easy proximity to downtown amenities, Lake George, SCSU, and public transportation. Don't miss this versatile and income-producing opportunity!