$629,900
173 St. Paul Street
Beds
2
Baths
2
Sqft
—
Year
1912
Type
Single Family
Suite
Suite potential
Location nearby
Nearby school, halal, mosque, grocery, park, and transit layers are still being built for Kamloops. The listing facts above are live; the neighborhood-intelligence layer needs POI coverage before it can score this address properly.
About this home
AFFORDABLE LIVING: The seller will carry a second mortgage at 5% for qualified buyers. (IE) If you’re approved for a $550,000 mortgage (about $3,000/month), the seller can cover the gap—for example, a $70,000 second mortgage at roughly $300–$400/month. Your total payment would be about $3,400/month, and with rental income from a fully furnished suite of $1,600–$2,000/month, your net cost drops to around $1,400–$1,800/month—potentially cheaper than renting while building equity. Quick possession available for this charming 2-storey home in a unique downtown location near the hospital and overlooking the Farmer’s Market. Main floor offers a 1-bedroom layout with an updated kitchen, heated tile floors, a skylight, and original wood finishes. Upstairs features a separate 1-bedroom suite with private entrance and great views. The lower level includes an extra bedroom, 3-piece bath, and private entry—ideal for guests or more potential rental income. Upgrades include a high-efficiency furnace, newer roof, new hot water tank, and dual heat pumps for independent climate control. Enjoy two decks with river, mountain, and city views, plus dedicated parking and permits from COK. Walking distance to shops, dining, and amenities. (id:65958)
- Subtype
- Single Family
- Structure
- House
- Community
- South Kamloops
- Common interest
- Freehold
- Living area
- 2,125 square feet
- Lot size
- 0.07 acres
- Lot dimensions
- 0.07
- Stories
- 2
- On market
- Jan 12, 2026
- Status changed
- Apr 24, 2026
- Annual tax
- $3,212
- Photos
- 43
- MLS#
- 10372583
- Area
- KAMLOOPS
Features and systems
Basement
Heating
Cooling
Cash on cash
-6.83%
Cap rate
3.50%
GRM
16.7
Break-even rent
$3,905
Financing
Operating expenses (monthly)
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
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.