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Medicine Hat · Single Family · under $650,000 · 3+ bed · 1+ bath. Alerts only send when there are new or meaningfully updated matching homes.
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640 Division Avenue NW
Here is a lovely home overlooking south saskatchewan river valley area.. This is a great opportunity to become a revenue property owner or your own private residence to enjoy.. This home sits on two lots so there is still room to add a double or triple car garage on to the home!! The main level has had extensive renovation done to it including new kitchen with stainless steel appliances, new lighting, some new windows and window coverings, new 4 pc bathroom with tiled walls, complete paint, ceilings scrapped and painted, new vinyl siding, flooring was sanded and refinished.. This home has a warm open feeling from when you first walk in, you have a large kitchen with an island good sized dining room with large windows to enjoy the views. Two good sized bedrooms one with a view of the valley, main floor laundry and a 4 piece bathroom. Upstairs you have a huge loft area which could be for a games room, storage, another bedroom. The utility room is adjacent to the loft are which is where the furnace, a/c unit and hot water tank are located, all which were replaced in 2021. This 2230 sqft, 1 1/2 story sits on terraced lawns, huge tree with swing, storage shed and room to build.. The suite was upgraded in 2019 which includes two good sized bedrooms, 4 pc bathroom, kitchen, living room your own furnace and H/W tank with a separate entrance. In todays market this home with these amenities is a real find, if your looking for a in-law suite or have a tenant to help pay the mortgage off, this is the house for you! You also can remove the wall and you have a huge family home its all here for you.. call for your private showing today (id:65958)
Main level
| Room | Dimensions | Features |
|---|---|---|
| Other | 10.92 Ft x 16.17 Ft | |
| Living room | 13.67 Ft x 15.50 Ft | |
| Dining room | 10.92 Ft x 10.42 Ft | |
| Family room | 14.25 Ft x 16.83 Ft | |
| Primary Bedroom | 11.33 Ft x 13.42 Ft | |
| Bedroom | 11.58 Ft x 13.58 Ft | |
| 4pc Bathroom | .00 Ft x .00 Ft |
Upper Level
| Room | Dimensions | Features |
|---|---|---|
| Bonus Room | 15.42 Ft x 16.00 Ft |
Unknown
| Room | Dimensions | Features |
|---|---|---|
| Kitchen | 10.42 Ft x 12.17 Ft | |
| Living room | 13.58 Ft x 14.50 Ft | |
| Dining room | 10.33 Ft x 14.50 Ft | |
| 4pc Bathroom | .00 Ft x .00 Ft | |
| Primary Bedroom | 11.25 Ft x 15.08 Ft | |
| Bedroom | 10.75 Ft x 12.58 Ft | |
| Storage | 5.42 Ft x 6.00 Ft | |
| Furnace | 7.08 Ft x 8.58 Ft |
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
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Insurance estimate
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Commute
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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
-1.17%
Cap rate
4.63%
GRM
13.9
Break-even rent
$3,723
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.
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Listing brokerage
Listing brokerage on file
Listing data via CREA DDF®. Information is deemed reliable but not guaranteed accurate by CREA. Last updated Jun 20, 2026.
Location of this listing. Distances are straight-line.
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Buyer-fit signals
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