38 Terrace Avenue, Ossining, NY 10562

Welcome to a spacious, well-maintained multi-level home offering a rare blend of legal configuration and flexibility. Ideal for extended family living, owner-occupants seeking rental income, or buyers looking for long-term versatility. The legal lower level features three bedrooms, a full bathroom, direct interior access, and a separate entrance. The main level offers three additional bedrooms, a full bathroom, an eat-in kitchen, and a comfortable living room. The second-floor apartment includes two bedrooms, an eat-in kitchen, and a full bathroom, with walk-up access to a large unfinished attic—perfect for storage or future potential. The home has been updated within the last five years and will be delivered with a clean Certificate of Occupancy. A deep driveway running the full depth of the property provides ample off-street parking and added convenience. A thoughtfully laid-out property with strong utility, legal flexibility, and long-term value.