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Investment signal

$699,900

123 MILL STREET

Save this home

Beds

5

Baths

2

Sqft

Year

Type

Single Family

Suite

Investment signal

Location nearby

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

About this home

Make sense with your dollars...superb investment opportunity or live-in with income describes this brick century home in fabulous core rental area. This legal duplex boasts a two bedroom one bath main floor unit with high ceilings, classic original trim and a spacious updated eat in kitchen, plus a generous living area and two sun-filled bedrooms. The upper three bedroom one bath unit is equally updated and also offers ample space in the living area and bedrooms. Both units have in suite laundry. Separate hydro meters and most windows replaced. The property could easily be converted back to a single family home or live in one unit and have the other assist with your mortgage. Vacant so you can move right in or choose your future tenants. (id:65958)

Subtype
Single Family
Structure
House
Community
East F
Common interest
Freehold
Lot dimensions
40.4 x 63.5 FT
Bedrooms
5 above grade
Parking
3 total
Stories
2
Fireplace
1
On market
Mar 27, 2026
Status changed
Apr 20, 2026
Annual tax
$6,924
Zoning
R3-1
Photos
36
MLS#
X12927724
Area
LONDON_EAST_(EAST_F)

Features and systems

Parking

No Garage

Basement

UnfinishedN/A

Appliances

Water meter

Heating

Forced airNatural gas

Cooling

Central air conditioning

Exterior

Brick

Foundation

BlockBrick

Lot

Flat siteIn-Law Suite

Community

School Bus

View

City viewView

Utilities

SewerElectricityCable

Security

Smoke Detectors
Negative cash flow ~$788/mo at these assumptions

Cash on cash

-6.75%

Cap rate

3.51%

GRM

16.7

Break-even rent

$4,329

Financing

Down payment$139,980
Loan amount$559,920
Mortgage$2,837/mo

Operating expenses (monthly)

Property tax(est. 0.55%/yr (AB avg))$321
Insurance$80
Maintenance$583
CapEx reserve$292
Vacancy loss$175

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 $2,837/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 20, 2026.

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