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412 Montreal STREET N
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Regina · Single Family · under $350,000 · 3+ bed · 1+ bath. Alerts only send when there are new or meaningfully updated matching homes.
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Welcome to this well-maintained bungalow with a double attached garage connected to the home by a convenient breezeway. Whether you're a first-time home buyer, downsizing, or looking for an excellent investment property, this home offers outstanding value. Ideally located in the desirable north end of Churchill Downs, you'll enjoy easy access to parks, schools, shopping, and all the amenities the north end has to offer. The bright main floor features a spacious living room with beautiful original hardwood flooring. The functional kitchen offers solid oak cabinetry, a walk-in pantry, and a dining nook complete with additional built-in oak cabinets for extra storage. Just off the dining area is a covered deck, perfect for barbecuing or relaxing outdoors. Three generously sized bedrooms and a well-appointed bathroom complete the main level. The fully developed basement provides additional living space with a large recreation room, a fourth bedroom, a 3-piece bathroom, and a separate laundry and storage area. Notable updates include shingles (approximately 2022), PVC windows (some replaced approximately 2021), a high-efficiency furnace (approximately 2023), bathroom renovations (2021), and updated light fixtures (2026). This is a solid home in a fantastic location, offering comfort, functionality, and plenty of potential for its next owner. (id:65958)
Basement
| Room | Dimensions | Features |
|---|---|---|
| Laundry room | 7.5 × 13 feet | |
| Other | 37 × 11.3 feet | |
| 3pc Bathroom | — | |
| Other | — | |
| Bedroom | 11 × 7 feet | |
| Storage | — |
Main level
| Room | Dimensions | Features |
|---|---|---|
| Living room | 14.7 × 14.7 feet | |
| Dining room | 11 × 8.8 feet | |
| Kitchen | 11 × 8.8 feet | |
| Bedroom | 8.6 × 10.4 feet | |
| 4pc Bathroom | 5 × 6.9 feet | |
| Bedroom | 11 × 8.8 feet | |
| Primary Bedroom | 11 × 11.5 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
15.60%
Cap rate
7.98%
GRM
9.2
Break-even rent
$2,024
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.
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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 22, 2026.
Location of this listing. Distances are straight-line.
Full neighbourhood intelligence (schools, halal, mosques, transit) is still building for this address.