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Investment signal

$2,100,000

120 YONGE STREET

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Beds

9

Baths

6 full + 3 half

Sqft

Year

Type

Multi-family

Suite

Non-conforming suite

Location nearby

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

About this home

Prime Multi-Unit Investment Opportunity in Historic Portsmouth Village! This legal non-conforming five-unit residential building offers a turnkey opportunity in the heart of Portsmouth Village, ideally located at the corner of King Street West and Yonge Street. Fully renovated in 2021, it blends historic charm with modern function, just steps from Lake Ontario, Queens University, and west-end amenities. The property includes four spacious two-bedroom units and one bright one-bedroom unit, all thoughtfully upgraded with new insulation, siding, roof, windows, and exterior doors. Interiors feature modern fire and sound separations, updated mechanicals, plumbing, and electrical throughout. Each apartment is fully self-contained with its own natural gas furnace, central air, HRV, on-demand hot water tank, electrical panel, water meter, and in-suite laundry. Tenants pay all their own utilities, ensuring efficient, low-maintenance ownership. Units are finished to a high standard with stainless steel appliances, white shaker cabinetry, quartz countertops, tiled bath surrounds with full tubs, and ceramic flooring. Large windows create bright and inviting living spaces. Common indoor and outdoor lighting is on timers and powered by a dedicated electrical panel and sixth hydro meter, making this the only utility expense for the landlord. With desirable layouts, quality finishes, and an excellent location in one of Kingston' s most historic neighbourhoods, this fully renovated property presents a rare and stable multi-unit investment with strong rental appeal. (id:65958)

Subtype
Multi-family
Structure
Other
Community
18 - Central City West
Lot dimensions
68.3 x 81 FT
Bedrooms
9 above grade
Parking
5 total
Stories
2
On market
Nov 25, 2025
Status changed
Apr 24, 2026
Annual tax
$9,047
Photos
50
MLS#
X12576072
Area
KINGSTON_(CENTRAL_CITY_WEST)

Features and systems

Parking

No Garage

Basement

Crawl space

Appliances

Water Heater - Tankless

Heating

Forced airNatural gas

Cooling

Central air conditioning

Exterior

Vinyl siding

Foundation

Stone
Negative cash flow ~$2,205/mo at these assumptions

Cash on cash

-6.30%

Cap rate

3.60%

GRM

16.7

Break-even rent

$12,821

Financing

Down payment$420,000
Loan amount$1,680,000
Mortgage$8,512/mo

Operating expenses (monthly)

Property tax(est. 0.55%/yr (AB avg))$963
Insurance$80
Maintenance$1,750
CapEx reserve$875
Vacancy loss$525

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 $8,512/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 24, 2026.

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