Welcome to 109 Mary Street, Saint Andrews, New Brunswick, a versatile property offering the perfect combination of comfortable family living and income-generating potential. Ideally situated just minutes from the shops, restaurants, waterfront, and amenities of the charming downtown core, this well-maintained home is an excellent opportunity for homeowners and investors alike. The main residence features a spacious and functional layout with four bedrooms and two full bathrooms. The bright main level offers a welcoming living room, dining area next to a well-appointed kitchen with abundant cabinetry, generous countertop space, and plenty of storage. Two bedrooms and a full 4-piece bathroom complete this level. The lower level provides additional living space with a large family room, a bedroom, a second 4-piece bathroom, a non-conforming bedroom, a home office, two storage rooms, and a utility room, making it ideal for growing families or those working from home. Attached to the home is a self-contained two-bedroom income suite located on the main level. This attractive unit features an open-concept living, dining, and kitchen area, two bedrooms, and a 4-piece bathroom, providing an excellent mortgage helper, guest accommodation, or multi-generational living option. Outside, you'll find a detached double garage, and a large patio perfect for entertaining and relaxing. Whether you're looking for a family home with rental income, an investment property, or flexible living arrangements, 109 Mary Street offers exceptional value in one of New Brunswick's most sought-after coastal communities.