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Investment signal

$1,800,000

399 BANK STREET

Save this home

Beds

Baths

Sqft

3,900

Year

Type

Retail

Suite

Suite potential

Location nearby

Nearby school, halal, mosque, grocery, park, and transit layers are still being built for Ottawa. The listing facts above are live; the neighborhood-intelligence layer needs POI coverage before it can score this address properly.

About this home

A rare investment opportunity in a prime location, a mixed-use property featuring an established restaurant on the ground floor and six fully leased residential apartments upstairs, offering immediate, reliable rental income. With a strong tenant mix and the stability of a proven business below, this is a turnkey opportunity for investors or owner-operators seeking long-term value in a prime urban location. (id:65958)

Subtype
Retail
Community
4103 - Ottawa Centre
Living area
3,900 square feet
Lot dimensions
Bldg=24.18 x 80.81 FT
On market
Jul 14, 2025
Status changed
Apr 24, 2026
Annual tax
$23,056 (2024)
Zoning
TMH(19)
Photos
27
MLS#
X12282107
Area
OTTAWA

Features and systems

Heating

Baseboard heaters

Cooling

Partially air conditioned
Negative cash flow ~$1,901/mo at these assumptions

Cash on cash

-6.34%

Cap rate

3.60%

GRM

16.7

Break-even rent

$11,001

Financing

Down payment$360,000
Loan amount$1,440,000
Mortgage$7,296/mo

Operating expenses (monthly)

Property tax(est. 0.55%/yr (AB avg))$825
Insurance$80
Maintenance$1,500
CapEx reserve$750
Vacancy loss$450

Estimates 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.

Mortgage estimate

Estimated $7,296/mo at 4.5% with 20% down, 30-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 24, 2026.

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