Ocean Views First Time on the Market in Monterey! A rare opportunity in the heart of Monterey just blocks from the Wharf, dining, shops, and downtown. This property offers two separate living spaces with separate meters plus a finished basement on a 6,000 sq. ft. lot with a 2-car garage. The top floor lives like a full home with over 1,560 sq. ft., featuring 2bedrooms, 2 bathrooms, family and living rooms, a cozy fireplace, laundry room, and ocean views. The lower level includes over 960 sq. ft. with 2 bedrooms, 1 bathroom, and inside laundry. A finished 590+ sq. ft. basement provides even more flexibility perfect for a home office, studio, or storage. With its prime location, separate utilities, and income-ready design, this property offers excellent income potential live upstairs and rent the lower level, or maximize returns with both.