Live, Invest, or Launch Your Business-Rare D4 Zoning in the Heart of Downtown Hamilton! Turn-key home with income potential, parking, and unmatched walkability steps to transit and top amenities. Welcome to 116 Bay St. North, a beautifully upgraded century semi-detached home in Central Hamilton's Downtown Urban Growth Centre. This move-in-ready property offers functionality, and future potential-ideal for end-users, investors, or buyers seeking flexible live/work opportunities. Positioned on a well-travelled street with excellent visibility, this property offers added exposure for home-based businesses or future commercial use. The side of the building also presents potential for signage/advertising income. Situated in a Walker's Paradise (Walk Score 99), this location offers exceptional convenience with walkable access to Bayfront Park, the Hamilton Farmers' Market, Hess Village, and James Street North. Commuters benefit from proximity to the West Harbour GO Station, while nearby destinations like the TD Coliseum, restaurants, cafes, and everyday services enhance the downtown lifestyle. The home features newly levelled and reinforced flooring, updated bathrooms, and a bright functional layout. Since Oct.2025, approximately $75,000 has been invested into masonry (300+ bricks replaced), drainage improvements, duct/drain servicing, and overall maintenance. Additional highlights include, owned furnace (2022), owned A/C (2025), owned hot water tank, and new Nordic windows (2025) with transferable warranty to 2050. Roof originally completed in 2012 and repaired in 2025. Rare for downtown living, the property offers 2 private parking spaces with the potential to expand to 4. Zoned D4 (Downtown Local Commercial), allowing residential, commercial, or mixed-use opportunities. Residential Rental potential of approximately $2,500/month, more if commercial tenant. A rare opportunity to own a turn-key property in one of Hamilton's fastest-growing neighborhoods.