Welcome to the Cottage in the City! Discover affordable living in Troy's desirable Albia neighborhood. Located on Pawling Avenue yet tucked away on a private lane, this charming home offers a wonderful blend of convenience, comfort, and privacy. The main level features an inviting open floor plan connecting the living room, kitchen, and dining area, along with a convenient first-floor bedroom, full bathroom, and laundry/pantry area. Upstairs, you'll find a spacious bedroom plus an additional room perfect for a nursery, den, home office, or potential third bedroom. Numerous updates add to the home's appeal, including 1st floor down to the studs renovation ,new insulation, 5/8" fire rated sheet rock, a newer natural gas furnace, updated electrical panel, fresh flooring, select replacement windows, a new water service line, and a new grinder pump. Outside, enjoy the large, private front porch and fully fenced yard, offering space to relax, entertain, or enjoy the outdoors. Whether you're a first-time homebuyer, looking to downsize, or searching for an affordable alternative to renting, this charming city cottage is full of potential. Conveniently located near local amenities, this is a wonderful opportunity to own a home in Troy's desirable Albia neighborhood. Don't miss it!