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Investment signal

$1,400,000

64 FRANCIS STREET N

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Beds

1

Baths

3 full + 2 half

Sqft

Year

Type

Single Family

Suite

Suite potential

Location nearby

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

About this home

Unlock the potential of this versatile mixed-use property in a prime downtown location, offering a rare opportunity to create a customized live/work environment or income-generating investment. The main floor commercial space, currently configured as a salon, provides a flexible layout ready to be reimagined for a variety of uses including professional office, boutique retail, studio space, or continued personal service operations. With strong street presence and on-site parking, this space is ideally positioned for a business looking to establish or grow in the downtown core. Above, the second-floor residential unit offers nearly 1,500 sq ft of living space, ideal for an owner-occupier or as a supplemental rental income stream. A welcoming foyer and staircase lead to an open-concept kitchen and dining area, an updated 3-piece bath, sunken living room, and a bedroom complemented by a versatile den that could function as a home office, walk-in closet, or potential second bedroom. What truly sets this property apart is the rare combination of extensive on-site parking, a double-car garage, and outdoor space. The generous rear parking area, front courtyard, and garage offer convenience for clients and residents, with potential for additional income through parking rentals in a high-demand downtown setting. The basement provides flexibility for storage, workspace, or future expansion. The property features a durable steel roof, heated eavestroughs with leaf guard, and updated windows, contributing to ease of ownership while allowing room to modernize and add value. Zoned SGA-3, it supports a wide range of permitted uses, making it ideal for investors, entrepreneurs, or owner-users. Based on projected market rents, the property presents an attractive income opportunity with an estimated cap rate in the ~5% range and clear upside potential. (id:65958)

Subtype
Single Family
Structure
House
Common interest
Freehold
Lot dimensions
55 x 157 FT
Bedrooms
1 above grade
Parking
9 total
Stories
2
On market
Apr 28, 2026
Status changed
Apr 28, 2026
Annual tax
$10,929.33 (2026)
Zoning
SFA-3
Photos
34
MLS#
X13054458
Area
KITCHENER

Features and systems

Parking

Attached GarageGarage

Basement

FullPartialNoneWalk-upN/A

Appliances

Water softenerGarage door opener remote(s)

Heating

Forced airNatural gas

Cooling

Central air conditioning

Exterior

Vinyl siding

Foundation

Poured Concrete

Lot

Paved yard
Negative cash flow ~$1,497/mo at these assumptions

Cash on cash

-6.41%

Cap rate

3.58%

GRM

16.7

Break-even rent

$8,575

Financing

Down payment$280,000
Loan amount$1,120,000
Mortgage$5,675/mo

Operating expenses (monthly)

Property tax(est. 0.55%/yr (AB avg))$642
Insurance$80
Maintenance$1,167
CapEx reserve$583
Vacancy loss$350

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 Kitchener. The listing facts above are live; the neighborhood-intelligence layer needs POI coverage before it can score this address properly.

Mortgage estimate

Estimated $5,675/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 28, 2026.

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