Welcome to 39 Concession Street in Havelock, a beautifully updated 1.5-storey century home offering the perfect blend of character, modern upgrades, and everyday convenience. Set on a large, fenced and landscaped lot, this property feels private and tucked away, yet is just minutes to town with full municipal services including town water, sewer, and natural gas. Inside, you'll find a fully renovated interior with thoughtful updates throughout. The bright main floor features a gorgeous kitchen, separate dining room, convenient main floor laundry, and a 3-piece bath with a large walk-in shower. Upstairs offers three bedrooms and a full 4- piece bath, creating a functional layout for families. Major updates provide peace of mind, including: Shingle roof (2018/2019), Furnace (2018) & A/C (2021), Updated HVAC upstairs (2020), Vinyl siding (board & batten look), new eaves, soffit & fascia (2024), All new windows (2024), PEX plumbing (2018), Hot water tank (2024), Spray foam insulation (2023), Natural gas + WETT-certified wood stove. The walkout basement offers additional storage or future development potential. Outside, enjoy a covered back porch ideal for entertaining, interlock landscaping (2023), cedar posts, new gates, and a spacious yard that provides excellent privacy, all while being on town services at a predictable monthly rate. If you're looking for the charm of a century home with the confidence of modern systems and the convenience of being close to town (without feeling like you're in the middle of it), this one is a must-see.