***TAKE ADVANTAGE OF THE COMMUNITY REINVESTMENT ACT PROGRAM. Receive a 1.75% credit of the loan amount towards rate buy downs and/or closing costs. This charming 2-bedroom, 1-bathroom brick ranch has been tastefully updated and is ready for you! The kitchen features white cabinetry and granite countertops, along with stainless appliances. The spacious living area provides lots of natural light and can double as an office space, catering to your work-from-home needs. Enjoy your mornings on the inviting covered porch with a cup of coffee. The back deck overlooks the yard, with city views in the distance, making it perfect for entertaining. You will love the 2-car tandem garage with doors at the front and back. Recent updates include new exterior paint, a newer roof, and furnace/AC installed in 2022. Convenient access to downtown, shopping, restaurants, and Belmar makes this location ideal. With zoning allowing for an ADU, this home offers a great opportunity to offset your expenses. Schedule a showing today and make this home yours!