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2124 20 Street
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Beds
—
Baths
—
Sqft
3,514
Year
1917
Type
Other
On market
329d
A rare opportunity to own a truly unique live-where-you-work property in the heart of Delburne. This well-maintained two-storey building sits on two full lots and offers a versatile mix of commercial and residential space, perfectly suited for a variety of uses. Originally built as a Bank of Montreal branch, the property retains its solid construction, full concrete basement, and even the original operational bank vault, while benefiting from extensive modern upgrades throughout. Ideally situated on Main Street, next to the Village office, Medical Centre, pharmacy, and other core amenities, the location offers exceptional visibility and convenience. Free parking is available at the front and rear of the property for both clients and guests. The main floor offers approximately 1,231 square feet of air-conditioned commercial space, featuring a flexible layout that includes a front office, multifunctional rooms, two former certified commercial kitchens, retail areas, and the secure vault. With three separate entry points , commercial grade laminate flooring— including an accessible front entrance with ramp, a backyard entry, and a private entrance to the residential quarters — the layout lends itself perfectly to retail, professional services, hospitality, or other business ventures. The full basement provides even more usable space, including laundry facilities, a half washroom, finished rooms, and a secure, lockable concrete storage area ideal for inventory or records. The upper level is fully renovated to the studs with a contemporary finish and a smart layout. On this floor there is engineered flooring with hardwood on the stair runs. Here you’ll find two bright bedrooms, an office/den, plus a beautifully finished full bathroom with onyx tiles and cork flooring, rough-in for laundry, and two walk-in closets. The updated kitchen is open to a spacious dining area, which flows to the large living room featuring a sunny balcony with exterior stairs. Tilt-and-tu rn windows throughout the upper level flood the space with natural light. Outside, a big deck connects to a sunroom/veranda overlooking the fully fenced backyard with fruit trees, garden plots, and ample off-street parking. The oversized detached garage is finished on the exterior with wood siding and includes a workbench, shelving, and room for a large vehicle with direct access to the street. The main building exterior is finished with vinyl siding. With modernized electrical, plumbing, windows, and 200-amp service already completed, this property combines peace of mind with endless flexibility. Live on site, operate your business. — the possibilities are truly exceptional. Where else can you live in such history, with impressive updates, and at this price, come view this today!! Plus, to make it even more attractive, seller is willing to provide seller financing on the right deal. (id:65958)
10-item due-diligence checklist. We can pre-flight most of these for you on a CMA call.
Comparable sales
Ask for 3–5 recent solds within ~1 km and the same beds/baths so the list price has context.
Property condition
Roof age, furnace age, hot-water tank age, electrical panel size, windows. Cosmetic vs structural.
Zoning
Confirm zoning matches your intent (single-family vs duplex vs secondary suite vs commercial).
Suite legality / potential
If suited or being marketed as suited: confirm permits, separate entrance, ceiling height, egress windows.
Monthly carrying cost
Mortgage + property tax + insurance + condo fee (if any) + utilities. Compare to your max budget.
Property taxes
Confirm the annual tax amount on the current assessment — and whether a reassessment is pending.
Insurance estimate
Get a same-day quote. Older homes, knob-and-tube wiring, polybutylene plumbing, flood plains all change the number.
Commute
Drive it (or transit it) at the actual time of day you'd commute. Map ETA lies during peak hours.
Deposit and financing conditions
Deposit size, financing condition window, condition removal date, possession date — all negotiable.
Inspection considerations
Budget for a home inspector ($500–700) and any specialty inspections (sewer scope, mould, asbestos for pre-1990 builds).
Rough ballpark only. Pick a down-payment option, then tap any underlined number below to plug in your real numbers — tax, condo fee, insurance, utilities. Total updates live. Confirm with a mortgage broker before writing an offer.
Cost lines (tax, condo, insurance, utilities) are editable inline above. These two control the mortgage payment math.
Approximation only. CMHC default insurance is included when down payment is under 20%. Property tax and condo fees come from MLS when listed and may not reflect the current billing year. Suite rental income depends on permits, market rent, and vacancy — confirm with a property manager. Always validate your scenario with a mortgage broker and your insurance provider before writing an offer.
We'll reply by text within a few hours. Comparable sales, condition flags, things worth checking — sent before you book a showing.
Listing brokerage
Listing brokerage on file
Listing data via CREA DDF®. Information is deemed reliable but not guaranteed accurate by CREA. Last updated Jun 4, 2026.
Buyer-fit signals
Derived from listing data and nearby-amenity proximity. Verify anything that matters to your decision — distances are approximate.
Nearby school, halal, mosque, grocery, park, and transit layers are still being built for Delburne. The listing facts above are live; the neighborhood-intelligence layer needs POI coverage before it can score this address properly.