1 / 4
Investment signal

$889,900

435 5th St

Save this home

Beds

Baths

Sqft

3,550

Year

Type

Other

Suite

Investment signal

Location nearby

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

About this home

Exceptional investment opportunity in the heart of Downtown Courtenay. This well maintained commercial building offers over 3,300 sq ft of prime retail space with three established tenants in place, generating $51,240 in annual income plus NNN. For investors, the advantage of triple net leases is clear, tenants cover operating costs such as taxes, insurance, and maintenance, creating a far more predictable and hands off investment compared to residential rentals where unexpected expenses can quickly impact returns. Two of the tenants have successfully operated here for over 20 years, providing outstanding long term stability, while the newest tenant secured their space after competing in a multiple offer for this highly sought after storefront location. Strong demand for Downtown Courtenay retail frontage continues to highlight the value of this asset. Located in one of the most vibrant commercial corridors on Vancouver Island, this property benefits from excellent foot traffic, strong neighbouring businesses including Bigfoot Donuts, Hot Chocolates, and BMO, plus additional nearby parking that makes access convenient for customers and staff alike. The thriving downtown business community continues to attract both locals and visitors year round. The building is in great condition with pride of ownership evident throughout, including individual heat pumps for all three units and the added bonus of two private parking stalls, an increasingly rare feature downtown. Predictable lease escalations are already built into the existing agreements, offering reliable income growth and long term security for the next owner. Please don't disturb the existing tenants. (id:65958)

Subtype
Other
Structure
Commercial Mix
Community
Courtenay City
Common interest
Freehold
Lot size
4,540 square feet
Lot dimensions
4540
On market
Apr 28, 2026
Status changed
Apr 29, 2026
Annual tax
$14,416
Zoning
Unknown
Photos
4
MLS#
1033662
Area
COURTENAY

Features and systems

Heating

Heat Pump

Cooling

Fully air conditionedAir Conditioned

Lot

Level lotOther
Negative cash flow ~$980/mo at these assumptions

Cash on cash

-6.61%

Cap rate

3.54%

GRM

16.7

Break-even rent

$5,482

Financing

Down payment$177,980
Loan amount$711,920
Mortgage$3,607/mo

Operating expenses (monthly)

Property tax(est. 0.55%/yr (AB avg))$408
Insurance$80
Maintenance$742
CapEx reserve$371
Vacancy loss$223

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.

Location nearby

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

Mortgage estimate

Estimated $3,607/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 29, 2026.

We remember this notice, run basic analytics, and use account activity like saved homes and listing views to provide real-estate follow-up. Privacy.