$789,000
Est. payment $3,494/moCalculate yours
45-47 MAIN Street, Kingston, ON K7K 3Y5
22 - East of Sir John A. Blvd, Kingston, ON K7K 3Y5
- 5 + 4 Beds
- 4 Baths
Listing courtesy of KINGSWAY REAL ESTATE MLS® X13625846
About this home
Exceptional Value-Add Investment Opportunity in the Heart of Downtown Kingston!Unique multi-unit property presents an outstanding opportunity for investors, renovators, and those looking to unlock long-term value in one of Kingston’s most desirable rental locations.The property features three self-contained units. The primary unit at 45 Main Street offers 5 + 1 above-grade bedrooms, a spacious eat-in kitchen, living room, and two 4-piece bathrooms. Above, the rooftop loft apartment features an open-concept kitchen, living and sleeping area, a 3-piece bathroom, and a generous walk-in closet. The character-filled unit at 47 Main Street includes a separate living room and eat-in kitchen on the main level, with 2 bedrooms and a large 4-piece bathroom on the second floor.Outside, enjoy a private rear yard, a large deck, and parking for approximately 4-5 vehicles-an increasingly rare feature in the downtown core. The property is equipped with separate hydro meters, offering added convenience for multi-unit management.Vacant possession is available, providing the flexibility to renovate immediately, set your own rental rates, or occupy a unit while generating income from the others. This is an excellent opportunity to renovate, modernize, and maximize rental income in a high-demand location close to Queen’s University, downtown amenities, transit, and Kingston’s waterfront.Property is being sold in “As Is, Where Is” condition. The property requires updating and TLC and is priced accordingly. Buyers are advised to satisfy themselves with respect to the property’s condition, zoning, permits, rental licensing (if applicable), and future intended use.
Property details
Overview
- Property Type
- Detached
- Style
- 2 1/2 Storey
- For
- For Sale
- Status
- Price Change
- Approximate Age
- 51-99
- Size
- < 700 sqft
Interior
- Bedrooms
- 5 + 4
- Bathrooms
- 4
- Kitchens
- 2
- Total Rooms
- 16
- Basement
- Unfinished, Partial Basement
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- None
- Exterior
- Wood , Vinyl Siding
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 51 x 90 Feet
- Parking
- None garage · 4 total
- Zoning
- A - Residential
Financial
- Property Taxes
- $7,337 (2026)
Location
- Neighbourhood
- 22 - East of Sir John A. Blvd
- Cross Street
- Division St and Main St.
- Direction Faces
- East
Listing
- MLS® Number
- X13625846
- Days on Market
- 79
- Listed On
- 2026-07-31
- Possession
- TBA
- Listed By
- KINGSWAY REAL ESTATE
Features
Interior
- Water Heater Owned
- Sump Pump
Property
- Hospital
Pool
- None
Mortgage calculator
Estimated mortgage payment
$3,494 per month
- Principal and interest
- $3,494
- Property tax
- $611
- Condo fees
- $0
- Estimated monthly cost
- $4,105
Your mortgage
- Mortgage amount
- $631,200
- Mortgage insurance
- Not needed
- Interest over 25 years
- $416,856
Cash to close
- Down payment
- $157,800
- Land transfer tax
- $12,255
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $170,055
With less than 20% down, a 30-year amortization is available to first-time buyers and buyers of newly built homes.
Talk to me about financingEstimates only, not a mortgage offer or financial advice. Uses the Canadian fixed-rate convention (interest compounded twice a year), 2026 mortgage insurance premiums and Ontario land transfer tax. Your lender will confirm your actual rate and payment.
Location
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