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93-95 LOWER CHARLOTTE STREET
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Beds
10
Baths
6 full + 1 half
Sqft
—
Year
—
Type
Multi-family
On market
459d
Welcome to 93-95 Lower Charlotte, built around 1907. Since 2003, all systems were updated... electricity: 100 amp service to 300 amp ... plumbing: lead pipes and cast iron to copper and ABS... remove most lath and plaster and installed insulation and sheetrock (5/8), replaced flooring with hardwood, laminate, vinyl or ceramic throughout. Built 5 new bathrooms and 1 powder room. Installed 3 full kitchens. The back and side bricks were replaced by vinyl siding and hardy-board. The front bricks and wooden entrance was replaced by new bricks and concrete stairs and landing. A rooftop deck, second floor balcony and a deck off of the 93 kitchen. 93-95 Lower Charlotte is a legal non-conforming Triplex... 93 Lower Charlotte has 2 bedrooms, 1-4pces en-suite and 1-powder room. Approx. 1,400 sq. ft. The main floor has Living/Dining area, powder room, renovated kitchen with access to large private deck. The second floor has a Master bedroom with access to balcony, walk-in closet and 4-pces ensuite, laundry room and a second bedroom with a Murphy bed. 95 Lower Charlotte has 2 bedrooms, a 4-pces bathroom and a kitchen on the main floor. On the second floor, there are 3 bedrooms, a 4-pces bathroom and a kitchenette with access to the front balcony. The third, located on third floor of 93-95 has private access from the back entrance. This unit 3 bedrooms, 2 3-peices bathrooms and a kitchen/living area. This unit has exclusive use of the roof-top deck with BBQ. TOTAL EXPENSES: Taxes - $11,699.00, Wifi - $1,573, Hydro - $2,690.00, Water - $1,713.43, Gas - $3,656.70 , Insurance: $5243.00 Total Operating Expenses is: $26,575.00. RENTAL REVENUES: Unit -1 at 93 : $2600 mth, Unit -2 at 95 : $3450.00, Unit - at 93-95 : $2350. TOTAL Rental Income: $8,400 * 12 = $100,800.00 ( rent includes all utilities) Net Operating Income (NOI) is $74,225.00. Capitalization Rate is : 4.4 ($74,225.00 / $1,695,000) There are 4 legal Parking spaces. (id:65958)
Main level
| Room | Dimensions | Features |
|---|---|---|
| Living room | 4.6 × 5.2 meters | |
| Dining room | 4.6 × 5.2 meters | |
| Kitchen | 5.8 × 3.66 meters | |
| Partial bathroom | 1.5 × 1 meters | |
| Bedroom | 4.6 × 3.66 meters | |
| Bedroom | 4.6 × 3.66 meters | |
| Bathroom | 1.8 × 2.4 meters | |
| Kitchen | 5.8 × 2.66 meters |
Second level
| Room | Dimensions | Features |
|---|---|---|
| Bedroom | 3.66 × 3.66 meters | |
| Laundry room | 1.8 × 1.8 meters | |
| Bedroom | 4.6 × 3.66 meters | |
| Bedroom | 4.6 × 3.66 meters | |
| Bedroom | 3.66 × 3.66 meters | |
| Bathroom | 1.8 × 1.87 meters | |
| Kitchen | 3 × 1.8 meters | |
| Primary Bedroom | 5.18 × 3.66 meters | |
| Bathroom | 3.66 × 3.66 meters |
Third level
| Room | Dimensions | Features |
|---|---|---|
| Bedroom | 4.2 × 3.66 meters | |
| Bedroom | 3.66 × 3.66 meters | |
| Bedroom | 4.3 × 4.5 meters | |
| Kitchen | 4.5 × 3.66 meters | |
| Bathroom | 2.13 × 2.13 meters | |
| Bathroom | 2.13 × 2.13 meters |
10-item due-diligence checklist. We can pre-flight most of these for you on a CMA call.
Comparable sales
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Property condition
Roof age, furnace age, hot-water tank age, electrical panel size, windows. Cosmetic vs structural.
Zoning
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Suite legality / potential
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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
-0.65%
Cap rate
4.73%
GRM
13.9
Break-even rent
$9,758
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.
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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 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.