1 / 12
Investment signal

$599,900

13 TALBOT Street E

Beds

4

Baths

3

Sqft

Year

1900

About this home

Located in the heart of downtown Cayuga, this versatile property offers a remarkable investment opportunity with the rare advantage of Downtown Commercial Zoning while currently operating as a three-unit residential home. The 1,969 sq. ft. interior features four bedrooms and two bathrooms across its functional units, complemented by a large unfinished attic and a full basement for ample storage. Situated on a generous 62' x 132' lot, the property includes a massive crushed stone driveway with parking for up to 10 vehicles, making it ideal for both residential tenants or a future commercial enterprise. Its high-visibility location is just steps from local amenities, schools, and the Grand River, providing a strategic best of both worlds scenario for investors or business owners looking to capitalize on a high-traffic corridor only 30 minutes from Hamilton (id:65958)

Subtype
Single Family
Architectural style
3 Level
Lot size
0.19 acres
MLS#
40804128
Area
CAYUGA
Negative cash flow ~$1,199/mo at these assumptions

Cash on cash

-11.99%

Cap rate

3.49%

GRM

16.7

Break-even rent

$4,262

Financing

Down payment$119,980
Loan amount$479,920
Mortgage$2,944/mo

Operating expenses (monthly)

Property tax(est. 0.55%/yr (AB avg))$275
Insurance$80
Maintenance$500
CapEx reserve$250
Vacancy loss$150

Estimates only. Actual cash flow depends on financing terms, condition reports, current market rents, property tax assessment, condo fees, and tenant quality. Defaults: 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 $2,944/mo at 5.49% with 20% down, 25-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.

We use a single cookie to remember if you’ve dismissed this notice and a no-PII analytics ping. By using this site you consent. Privacy.