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Investment signal

$849,900

1185 5th St

Beds

4

Baths

1

Sqft

Year

1925

About this home

Step into timeless character & comfort with this beautifully maintained heritage home, nestled on a generous .87-acre lot in a highly sought after neighborhood. This property blends classic charm with modern convenience, offering a peaceful retreat just steps from the heart of town. Inside, you'll find a cozy gas fireplace, perfect for relaxing evenings, and a well cared for interior that reflects pride of ownership throughout. The home also features a large unfinished basement, ideal for future development, plus a workshop and ample storage area perfect for hobbyists or those needing extra space. Families will love the location, with elementary and middle schools just minutes away, and everything else you need within walking distance—including downtown shopping, restaurants, parks, and recreation. Whether you're looking to settle into a piece of history or seeking an incredible investment opportunity, this property offers both charm and potential in a truly unbeatable location. (id:65958)

Subtype
Single Family
Architectural style
Other
Lot size
0.87 acres
MLS#
1028858
Area
COURTENAY
Negative cash flow ~$1,666/mo at these assumptions

Cash on cash

-11.76%

Cap rate

3.54%

GRM

16.7

Break-even rent

$6,003

Financing

Down payment$169,980
Loan amount$679,920
Mortgage$4,171/mo

Operating expenses (monthly)

Property tax(est. 0.55%/yr (AB avg))$390
Insurance$80
Maintenance$708
CapEx reserve$354
Vacancy loss$213

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 $4,171/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.

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