1 / 32
Investment signal

$340,000

2 MILL STREET

Beds

Baths

2

Sqft

Year

About this home

Welcome to 2 Mill Street, a prominent landmark property ideally located at the corner of Mill Street and East Front Street in the heart of Stirling. Originally constructed in the late 1800s as a bank, this solid brick building reflects the timeless architecture and enduring craftsmanship characteristic of the era. This unique property offers a rare live-work opportunity, featuring a 1,414 sq. ft. main floor currently configured for professional office or retail use, complete with a welcoming reception area and private workspaces suited to a variety of business needs. The upper level, approximately 1,600 sq. ft., has historically operated as a spacious four-bedroom apartment, providing excellent potential for owner occupancy or additional rental income. The building has been thoughtfully updated to enhance comfort and efficiency, including a new gas-fired boiler installed in 2025 and first floor air conditioning. Its well-preserved brick exterior and adaptive reuse over time make it a standout example of heritage charm blended with modern functionality. Positioned just steps from local attractions such as the Stirling Festival Theatre and the Stirling Grist Mill, this high-visibility downtown location offers both character and convenience. An exceptional opportunity to own a distinctive and flexible property in one of Stirling's most desirable settings. (id:65958)

Subtype
Retail
MLS#
X12892952
Area
STIRLING-RAWDON_(STIRLING_WARD)
Negative cash flow ~$50/mo at these assumptions

Cash on cash

-0.87%

Cap rate

5.71%

GRM

11.8

Break-even rent

$2,452

Financing

Down payment$68,000
Loan amount$272,000
Mortgage$1,669/mo

Operating expenses (monthly)

Property tax(est. 0.55%/yr (AB avg))$156
Insurance$80
Maintenance$283
CapEx reserve$142
Vacancy loss$120

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 $1,669/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.