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Reduced $8,000 (3%) from $317,900
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312 20th STREET E
Looking for a full size family home in good neighborhood next to parks and schools? Would you also like the flexibility of rental income in the basement if you decide you would like to be a landlord? This charming 1 1/2 story house features all of that and more, with 4 good sized bedrooms and 3 full bathrooms offering plenty of space for everyone. It also includes a 1 bedroom mother in-law basement suite! Step inside and be greeted by a warm and inviting space that balances comfort and style. The kitchen designed for both efficiency and comfort features sleek cabinetry, a practical layout, stainless steel appliances and additional space for dining. The living area provides a spacious and inviting atmosphere, plenty of natural light entering through the large picture window and complimenting laminate floors. This space offers a welcoming ambiance for family gatherings or a relaxing evening at home. Also included on the main floor, you will find 2 good sized bedrooms and 1 4-peice bathroom. A stunning touch you will discover in this home is the loft, which offers a wood burning fireplace along with the master bedroom and is also conveniently located directly above the 1 car attached garage. Once you step down into the basement, you will find an additional 4 pc bathroom across from the utility/laundry room, before entering the mother in law suite. Suite include full kitchen, living and dining room areas, and a 1 bedroom with 4 pc ensuite. The layout of the backyard offers a delightful escape and a spacious patio area perfect for unwinding or entertaining. The fully fenced yard gives you a secure space for children and/or pets to play freely and safely. Don't miss out on the opportunity to make this home your own. Experience the charm and comfort that this home provides and schedule your viewing today! (id:65958)
Basement
| Room | Dimensions | Features |
|---|---|---|
| Other | 14'9 x 11'6 | |
| Bedroom | 15'6 | |
| 4pc Ensuite bath | 8 × 5 feet | |
| Den | 16'6 x 11'6 | |
| Kitchen | 8'6 | |
| 4pc Bathroom | 7'9 |
Main level
| Room | Dimensions | Features |
|---|---|---|
| Kitchen/Dining room | 12'6 | |
| Living room | 12'6 | |
| 4pc Bathroom | 5 × 9 feet | |
| Bedroom | 12'6 | |
| Bedroom | 12'3 x 8'9 |
Second level
| Room | Dimensions | Features |
|---|---|---|
| Loft | 12'6 | |
| Bedroom | 15 × 10 feet |
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).
Cash on cash
17.22%
Cap rate
8.31%
GRM
8.9
Break-even rent
$1,964
Financing
Operating expenses (monthly)
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Approximation only. Actual cash flow depends on financing terms, condition reports, current market rents, property tax assessment, condo fees, and tenant quality. Defaults: 4.5% rate, 30-year amortization, 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.
Pick a down payment and tap any underlined number to edit. Total updates live. Confirm with a mortgage broker before writing an offer.
Monthly carrying costs (shared)
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. Accelerated bi-weekly frequency reduces total interest paid vs. monthly — confirm with a broker. Suite rental income depends on permits, market rent, and vacancy. Always validate with a mortgage broker 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 19, 2026.
Location of this listing. Distances are straight-line.
Full neighbourhood intelligence (schools, halal, mosques, transit) is still building for this address.
Buyer-fit signals
Derived from listing data and nearby-amenity proximity. Verify anything that matters to your decision — distances are approximate.