Remodeled duplex featuring a 2-bedroom, 2-bathroom unit and a separate efficiency studio, situated on a generously sized lot. Conveniently located just three blocks from the bus stop, five blocks from downtown St. Cloud and City Hall, and only seven blocks from St. Cloud Lakefront. Upstairs has been re-framed to create two bedrooms and an additional bathroom in the main unit. The property has been extensively updated with completely new vinyl siding, windows, and doors, plus a new metal roof on both the main home and detached garage. New exterior and interior stairs have been installed, along with a full re-pipe of the home's hot and cold plumbing using CPVC and fully updated electrical wiring. Comfort and energy efficiency are enhanced with brand new Mitsubishi Mini Split HVAC and heating units throughout. Both units include brand new GE appliances - including a washer and dryer in the main unit and a 2-in-1 washer/dryer in the efficiency studio. Interior upgrades feature new LVP flooring and drywall throughout. Both kitchens have been fully remodeled with shaker-style, soft-close cabinets, and all three bathrooms have been updated with modern finishes. With two fully updated living spaces, this property is an excellent opportunity for rental income - live in one unit and rent out the other, or rent both for strong cash flow in a growing location.