Welcome to 4863 Polk Avenue-a thoughtfully upgraded City Heights home that blends flexibility, function, and everyday comfort. This 4-bedroom, 2-bath residence offers 1,150 square feet of well-designed living space, ideal for today's dynamic lifestyle. What truly sets this home apart is its versatile split layout with separate entrances-perfect for multigenerational living, rental income potential, or a seamless live/work setup. The front portion of the home provides a comfortable living retreat, while the rear bedrooms offer privacy for guests, office space, or additional income opportunities. “Eligible for $15,000 forgivable loan (no payments, no interest) to cover closing costs, rate buy-down and/or down payment. 100% financing available with NO MI.” At the heart of the home, an updated kitchen opens into a spacious bonus room-creating a natural gathering space for entertaining, relaxing, or bringing everyone together. Natural light fills the interior, giving the home a bright and welcoming feel throughout. Major upgrades have already been taken care of, including a newer roof, updated plumbing, remodeled bathroom, and modernized electrical. Step outside to a private backyard space ready for your vision-whether it's morning coffee in the sun, weekend gatherings, or creating your own outdoor oasis. Centrally located near schools, local dining, shopping, and public transit, this home offers both convenience and opportunity.