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Investment signal

$589,900

12 Gillespie St

Save this home

Beds

2

Baths

1

Sqft

Year

1919

Type

Single Family

Suite

Investment signal

Location nearby

Nearby school, halal, mosque, grocery, park, and transit layers are still being built for Nanaimo. The listing facts above are live; the neighborhood-intelligence layer needs POI coverage before it can score this address properly.

About this home

Attention savvy investors or first-time buyers! This charming 2-bedroom, 1-bathroom home offers coastal appeal and functional living near the waterfront. Enjoy 925 sq. ft. of cozy upper-level living featuring a sun-filled country kitchen, all-day ocean views, and the comfort of a newly installed gas-fired forced air furnace and hot water tank. Situated on an over 8571sqft rectangle lot(55.3x155.4ft), this versatile property features a detached powered workshop, garden shed, and a fully fenced yard with dual-side gated parking for excellent privacy and security, ample space for your RV, boat, and multiple vehicles. The full basement is currently used for storage and a secondary workshop, offering excellent future potential. There is also potential for multi-family redevelopment (up to 4 units in R5 zoning—buyer to verify with the City), making this a compelling long-term investment. With strong demand in the area, this is an outstanding opportunity. Vacant for Easy to show! (id:65958)

Subtype
Single Family
Structure
House
Community
South Nanaimo
Common interest
Freehold
Living area
925 square feet
Lot size
8,572 square feet
Lot dimensions
8572
Parking
6 total
On market
Feb 23, 2026
Status changed
Apr 16, 2026
Annual tax
$3,344
Zoning
Residential
Photos
33
MLS#
1026633
Area
NANAIMO

Features and systems

Appliances

WasherRefrigeratorDishwasherStoveDryer

Heating

Forced airNatural gas

Cooling

None

Lot

Other

View

Ocean view

Security

Fire alarm system
Negative cash flow ~$676/mo at these assumptions

Cash on cash

-6.88%

Cap rate

3.49%

GRM

16.7

Break-even rent

$3,662

Financing

Down payment$117,980
Loan amount$471,920
Mortgage$2,391/mo

Operating expenses (monthly)

Property tax(est. 0.55%/yr (AB avg))$270
Insurance$80
Maintenance$492
CapEx reserve$246
Vacancy loss$148

Estimates only. Actual cash flow depends on financing terms, condition reports, current market rents, property tax assessment, condo fees, and tenant quality. Defaults: 4.5% rate, 30-year amortization, 5% vacancy, 1%/yr maintenance, 0.5%/yr CapEx reserve, $80/mo insurance. Property tax estimated at 0.55%/yr where not provided. Talk to a mortgage broker before relying on these numbers.

Mortgage estimate

Estimated $2,391/mo at 4.5% with 20% down, 30-yr amortization.Estimate only — actual payment varies by qualification + insurance.

Listing brokerage

Listing brokerage on file

Listing data via CREA DDF®. Information is deemed reliable but not guaranteed accurate by CREA. Last updated Apr 16, 2026.

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