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Investment signal

$600,000

184 MONTREAL STREET

Beds

Baths

Sqft

—

Year

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Location

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About this home

Completely renovated legal duplex ready for new occupants in a great area of downtown Kingston. The interior of this NorthPeak Homes renovation project has been extensively remodelled and everything is brand new including kitchens, bathrooms, windows, doors, new baseboard heating, drywall and flooring. The main floor 1 bedroom unit has a large living room that extends into the kitchen making it ideal for entertaining. A large picture window lets in tons of natural light and allows you to watch the world go by from the privacy of indoors, or enjoy the neighbourhood from the covered front porch. A 3 bedroom unit on the top two floors has room for the whole family, or extra rooms for offices and living space. The 3rd floor family room is large and bright with great views over the neighbourhood. An ideal situation for a live-in landlord or as a straight income generating property for your investment portfolio! (id:65958)

Subtype: Multi-family
Structure: Duplex
Community: 22 - East of Sir John A. Blvd
Lot dimensions: 26 x 66 FT
Bedrooms: 4 above grade
Parking: 0 total
Stories: 2.5
On market: Mar 27, 2026
Status changed: Apr 18, 2026
Annual tax: $4,557.72
Zoning: UR5
Photos: 50
MLS#: X12929610
Area: KINGSTON_(EAST_OF_SIR_JOHN_A._BLVD)

Features and systems

Parking

No Garage

Basement

UnfinishedPartial

Appliances

RefrigeratorDishwasherStove

Heating

Baseboard heatersElectric

Cooling

None

Exterior

Vinyl siding

Foundation

Block

Negative cash flow ~$1,200/mo at these assumptions

Monthly rent (CAD)Adjust to your local market estimateDown payment (%)Investment props typically 20-25%Mortgage rate (% annual)2026 default 5.49% — adjust to your rate holdAmortization (years)

Cash on cash

-12.00%

Cap rate

3.49%

GRM

16.7

Break-even rent

$4,263

Financing

Down payment$120,000

Loan amount$480,000

Mortgage$2,945/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.

Lifestyle nearby

Nearby school, halal, mosque, grocery, park, and transit layers are still being built for Kingston (East of Sir John A. Blvd). The listing facts above are live; the neighborhood-intelligence layer needs POI coverage before it can score this address properly.

Mortgage estimate

Estimated $2,945/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 18, 2026.