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Investment signal

$449,900

612 BAY STREET

Save this home

Beds

3

Baths

2

Sqft

Year

Type

Multi-family

Suite

Suite potential

Location nearby

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

About this home

Top 5 Reasons You Will Love This Home: 1) Charming semi-detached duplex with two fully self-contained units, offering a smart opportunity for investors or buyers looking to live in one unit while generating steady rental income from the other 2) Strong, reliable income already in place with the main unit rented at $1650 plus utilities and the upper unit rented at $1567 plus utilities, providing immediate cash flow from day one 3) Located just minutes from downtown Midland, you are close to shops, schools, parks, walking trails, marinas, and the waterfront, a location that consistently attracts quality tenants and end users alike 4) Separate hydro meters for each unit allow tenants to pay their own utilities, keeping expenses predictable and simplifying management 5) Three dedicated parking spaces, refreshed interiors, and a low-maintenance yard make this a practical, turn-key property, whether you are stepping into the market or adding another solid door to your portfolio. 1,278 fin.sq.ft. *Please note some images have been virtually staged to show the potential of the home. (id:65958)

Subtype
Multi-family
Structure
Duplex
Community
Midland
Lot dimensions
30.5 x 85.7 FT
Bedrooms
3 above grade
Parking
3 total
Stories
2
On market
Mar 3, 2026
Status changed
Apr 24, 2026
Annual tax
$1,956
Zoning
HC
Photos
23
MLS#
S12839008
Area
MIDLAND

Features and systems

Parking

No Garage

Basement

UnfinishedCrawl space

Appliances

RefrigeratorStoveWater Heater

Heating

Baseboard heatersElectric

Cooling

None

Exterior

BrickVinyl siding

Flooring

Vinyl

Foundation

Stone

Community

Community Centre
Negative cash flow ~$392/mo at these assumptions

Cash on cash

-5.23%

Cap rate

3.82%

GRM

15.6

Break-even rent

$2,813

Financing

Down payment$89,980
Loan amount$359,920
Mortgage$1,824/mo

Operating expenses (monthly)

Property tax(est. 0.55%/yr (AB avg))$206
Insurance$80
Maintenance$375
CapEx reserve$187
Vacancy loss$120

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 $1,824/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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