Set in the heart of Belfast, this distinctive in-town home offers 3 bedrooms, 3 full baths, 1 half bath, and over 3,300 square feet of flexible living space with water views and direct shoreline access. Set on 0.29 acres, the property combines coastal character, spacious interiors, and exceptional versatility in one of Belfast's most desirable locations. The main level is designed for both everyday living and entertaining, featuring a kitchen with attached garage access, dining area with access to a deck overlooking the bay, living room with fireplace, library, and a half bath. Large windows and thoughtful positioning bring natural light and water views into the living spaces, while the deck offers an inviting place to relax and enjoy the changing scenery throughout the seasons. Upstairs, the primary bedroom features a strong water view and an en-suite bath, while a second bedroom opens to a private balcony overlooking the water. An additional bedroom and full bath complete the second level. The walkout lower level offers outstanding flexibility with a large open living area, full bath, and direct access to the waterfront side of the property -- ideal for guests, extended family, studio space, recreation, or a potential guest suite. An additional room accessed separately from the exterior on the waterside of the home is currently used as a workshop but could easily serve as an art studio, office, creative space, fitness room, or additional living area, all enhanced by water views. Enjoy the rare combination of in-town convenience, waterfront setting, and adaptable living spaces just moments from Belfast's harbor, shops, restaurants, and vibrant downtown amenities. Some finishing work is scheduled for completion prior to closing; see disclosures for details.