2 HOMES IN ONE!! Nestled at the end of a peaceful cul-de-sac on the outer part of San Carlos, this one-of-a-kind property offers an incredible opportunity for multi-generational living, rental income, or flexible dual living. Truly two homes for the price of one - plus the potential for an ASSUMABLE VA LOAN! The main upper level features a beautifully updated 3-bedroom, 2-bathroom layout with a stunning chef's kitchen showcasing stainless steel appliances, a massive 9-foot island, and ample cabinetry. The open-concept living space is filled with natural light and leads to a private balcony with serene views. The primary bedroom is spacious enough to comfortably fit an Alaskan king-sized bed, creating the perfect retreat. For added convenience, there's a dedicated laundry area upstairs as well. Downstairs, you'll find a completely separate 2-bedroom, 1-bathroom unit with its own full kitchen, living area, and private entrance. Whether you're looking to accommodate extended family, host long-term guests, or generate extra rental income, this lower unit is a game-changer. The two levels can be fully closed off for privacy or opened up for connected multi-family living - the choice is yours! This unit has its own washer and dryer as well. Situated on a generously sized lot, the property also offers ample parking, a peaceful backyard, and is located just minutes from top-rated schools, shopping, dining, and freeway access. Plenty of solar helps keep this home energy efficient year-round, making it as smart as it is versatile. Don't miss your chance to own this versatile and valuable gem, schedule your tour today!