$899,900
↓ $75,000 from $974,900
Est. payment $3,985/moCalculate yours
45 Chestnut Street, Kingston, ON K7K 3X4
22 - East of Sir John A. Blvd, Kingston, ON K7K 3X4
- 3 Beds
- 2 Baths
- 1,500 Sq Ft
Listing courtesy of CENTURY 21 LANTHORN REAL ESTATE LTD., BROKERAGE MLS® X12651356
About this home
45 Chestnut Street is a completely rebuilt residential duplex offering two fully furnished, all-inclusive executive-style apartments in a prime downtown location. Ideal for owner-occupants, professionals, or investors looking for a move-in-ready income property. This 2.5-storey, rusticated-stone home was stripped to the studs and professionally renovated from 2022 to 2024. Significant upgrades include all-new electrical, plumbing, and HVAC systems; spray-foam insulation (basement through attic); new windows and doors; and Ontario Building Code-compliant fire separation. The cellar is fireproofed with mono-coat treatment. The upper unit is a spacious 2-bedroom suite with a modern 3-piece bath, finished loft, in-suite laundry, and private deck with views over the Fruit Belt. The lower unit is a bright 1-bedroom with a full 4-piece bath, open layout, and generous finishes. Each unit includes in-suite laundry, programmable Wi-Fi thermostats, and separate shut-offs. Interior features include luxury vinyl plank flooring, quartz and granite countertops, custom cabinetry, ceramic and marble tilework, and full furnishings-TVs, linens, cutlery, and appliances are all included. The property also features a new metal roof, updated eavestroughs, exterior LED soffit lighting, new fencing, fresh sod, a security camera system, on-site parking, and a Level 2 EV charger. Whether you’re living a unit (if available) while renting the other, or seeking a hands-off investment with strong appeal to executive tenants, this is a rare opportunity in one of Kingston’s most walkable neighbourhoods. Unit 2 is currently rented until 2027-01-11, minimum24 hours’ notice required
Property details
Overview
- Property Type
- Detached
- Style
- 2 1/2 Storey
- For
- For Sale
- Status
- Price Change
- Approximate Age
- 100+
- Size
- 1,500 sqft
Interior
- Bedrooms
- 3
- Bathrooms
- 2
- Kitchens
- 2
- Basement
- Unfinished
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Central Air
- Exterior
- Concrete
- Foundation
- Stone
- Roof
- Metal
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 60 x 92.5 Feet
- Parking
- None garage · 2 total
Financial
- Property Taxes
- $3,554 (2025)
Location
- Neighbourhood
- 22 - East of Sir John A. Blvd
- Cross Street
- Cherry
- Direction Faces
- North
Listing
- MLS® Number
- X12651356
- Days on Market
- 293
- Listed On
- 2025-12-29
- Possession
- 2 apartments - may be tenanted
- Listed By
- CENTURY 21 LANTHORN REAL ESTATE LTD., BROKERAGE
Rooms
Features
Interior
- Carpet Free
- Water Heater Owned
Pool
- None
- Included
- 2 refrigerators, 2 stoves, 2 washer/Dryer combos, 2 microwaves, all furnishing, utensils, wall coverings
- Excluded
- Tenants belongings if any
- Rental items
- None
Mortgage calculator
Estimated mortgage payment
$3,985 per month
- Principal and interest
- $3,985
- Property tax
- $296
- Condo fees
- $0
- Estimated monthly cost
- $4,281
Your mortgage
- Mortgage amount
- $719,920
- Mortgage insurance
- Not needed
- Interest over 25 years
- $475,449
Cash to close
- Down payment
- $179,980
- Land transfer tax
- $14,473
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $194,453
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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