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620 COOPER STREET
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Beds
5
Baths
3
Sqft
—
Year
—
Type
Multi-family
On market
38d
Welcome to eclectic & historic Centertown! This COMPLETELY RENOVATED 3-unit Victorian home exudes charm & character with its high ceilings, beautifully refinished original wood floors, period details such as recreated trim work and elegant light fixtures throughout. Spacious and sunny, it offers 3 units over 4 levels. The first floor features a grand studio apartment (easily converts to a 1 bed by adding one wall) with fireplace hearth and access to the covered rain-proof deck overlooking the treed backyard. Vacant with projected rent at $2,100/mon). The second and third floor represent a 2-storey 3-bed + den apartment with elevated SOUTH-FACING deck. Vacant as of June 30, projected rent at $3,000/mon). The basement is a 1-bed apartment with separate side entrance as well as the utility and laundry room. Currently rented at $1,550/mon (mon to mon). Over $400,000 in renovations over the past 5 years - new kitchens with stone countertops and dishwashers, bathrooms, central AC and mini split units on third floor, furnace/ductwork, electrical, plumbing, roof, windows, back decks and front 2-storey porch, power washing of front facade brick, recreated bargeboard (A-frame) - all TASTEFULLY renovated with QUALITY materials. A bonus COACH HOUSE in the backyard provides so many possibilities - an art studio, home business, lockers/bike storage or a potential 4th unit. CAP RATE of 5%!! Well-maintained building with parking that can easily be converted back into a single-family home or used as a multi-generational home. This block of Cooper St is a quiet, low traffic block in a vibrant urban neighbourhood, within walking distance to numerous restaurants, shops, cafes along Bank St, the Glebe, Little Italy, Chinatown, Parliament Hill, numerous parks & the Rideau canal. The Lyon LRT Station is a 10 min walk. (id:65958)
Basement
| Room | Dimensions | Features |
|---|---|---|
| Living room | 4.26 × 3.12 meters | |
| Kitchen | 2.97 × 1.82 meters | |
| Bedroom | 3.04 × 3.04 meters | |
| Bathroom | 3.12 × 2.05 meters | |
| Laundry room | 5.71 × 1.37 meters | |
| Utility room | 2.81 × 1.9 meters |
Main level
| Room | Dimensions | Features |
|---|---|---|
| Foyer | 1.22 × 1.98 meters | |
| Living room | 5.48 × 4.34 meters | |
| Bedroom | 3.58 × 3.35 meters | |
| Bathroom | 2.28 × 1.67 meters | |
| Kitchen | 3.88 × 2.89 meters |
Third level
| Room | Dimensions | Features |
|---|---|---|
| Bedroom 2 | 3.88 × 2.67 meters | |
| Bedroom 3 | 3.81 × 4.19 meters |
Second level
| Room | Dimensions | Features |
|---|---|---|
| Living room | 5.02 × 3.35 meters | |
| Den | 2.81 × 1.9 meters | |
| Kitchen | 3.81 × 2.89 meters | |
| Bathroom | 2.51 × 1.6 meters | |
| Primary Bedroom | 2.51 × 1.6 meters |
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
-0.73%
Cap rate
4.72%
GRM
13.9
Break-even rent
$7,635
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.
Rough ballpark only. Pick a down-payment option, then tap any underlined number below to plug in your real numbers — tax, condo fee, insurance, utilities. Total updates live. Confirm with a mortgage broker before writing an offer.
Cost lines (tax, condo, insurance, utilities) are editable inline above. These two control the mortgage payment math.
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. Suite rental income depends on permits, market rent, and vacancy — confirm with a property manager. Always validate your scenario with a mortgage broker and your insurance provider 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 May 12, 2026.
Buyer-fit signals
Derived from listing data and nearby-amenity proximity. Verify anything that matters to your decision — distances are approximate.
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.