This home qualifies for a $0 down payment, no PMI conventional purchase loan (min 660 credit score) and includes a $5000 credit that can be used to cover all of the closing fees! Charming 4-bed, 3.5-bath cottage nestled on a fully fenced lot with mature trees! White picket fence leads to oversized deck overlooking St Clair Place neighborhood. Inside, new laminate floors, raised ceilings & generous windows flow through the living spaces. Elegant great room offers plenty of space for hosting or unwinding. Original fireplace adds warmth & drama. Renovated kitchen has large center island with breakfast bar & overlooks the dining room. Rare main level primary with ensuite bath. (A 2nd ensuite is on the 2nd level!) Convenient laundry & half bath complete the main level. Upstairs, find 3 more bedrooms & 2 full bathrooms. Unfinished basement offers extra storage or room to expand. Large fenced backyard leads to newer 2-car garage. Updated roof & mechanicals!