125 James Street, Kingston

$629,900
125 James Street

$629,900

New
25d
DetachedBungalow

125 James Street, Kingston

Total Monthly Obligation $3,333

Beds
4
Baths
2
Park
2
Sqft
1100-1500
DOM
25d
Score
18
Yield
4.7%
Cash on Cash
-5.1%
Cap Rate
3.5%
5Y IRR
11.6%
10Y IRR
11.4%
Property Type-Detached
MLS® Number-X13833934
Beds-4
Bathrooms-2
Size-1100-1500 sqft
Lot Size-55.83 × 116.25 ft
Listed on site-Sep 28, 2026
Style-Bungalow
Building Type-Detached
Age-100+
Taxes-$5,008.94 (2026)
Parking-2 - None
Basement-Full, Partially Finished
Heating-Forced Air (Gas)
Brokerage-RE/MAX FINEST REALTY INC., BROKERAGE
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-Inground
Facing-North
Exterior-Vinyl Siding
Roof-Asphalt Shingle
Foundation-Block, Stone
Sewer-Sewer
Possession-tbd
Neighbourhood-22 - East of Sir John A. Blvd
Title-Residential Freehold

No agent assigned

3+1-bedroom, 2-bathroom home offering approximately 1,495 sq. ft. of main-level living space in the heart of Kingston. With a comfortable layout, generous room sizes and plenty of potential, this home is ready for you to make it your own. The inviting front entrance welcomes you into a spacious living area. The generously sized kitchen offers ample cabinetry and counter space, providing plenty of room for everyday family meals and entertaining. Three bedrooms provide comfortable accommodations for family, guests or a home office, while two bathrooms add convenience. Step outside to your own private backyard retreat, complete with a beautiful inground pool and interlock patio, creating the perfect setting for summer gatherings, barbecues and relaxing poolside. Mature landscaping adds privacy and enhances the outdoor space. Furnace and air conditioning system, updated in 2021. Conveniently located close to Kingston's amenities, schools, parks, shopping and more, this home offers a great opportunity to create a space that truly reflects your style and needs.

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%
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$
(utilities, internet...)
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%
%

Closing Costs

Mortgage Amount
$503,920
Land Transfer Taxes$9,073
Legal Fees (Est.)
$
Total cash required for closing$136,553

Total Monthly Obligation

$3,333/mo
Mortgage $2,541
Monthly Loss $2,665
Principal$669
Interest$1,872
Property Tax$417
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.7%16
Cash-on-Cash
-10.0%1
5-Year IRR
7.8%22
10-Year IRR
8.9%
Returns Index
12.3/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
18/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$29,400/yr
NOI
$16,951/yr
Net Cash Flow
-$1,128/mo
Cash Margin
-46.1%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.566
LTV Ratio
80.0%18
Vacancy Buffer
2.9 mo48
Risk Index
24.0/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 125 James Street

Time

Comparables are calculated within a 3km radius based on properties sold or leased within the past 6 months. This helps you understand the current market value and potential rental yield with high precision.

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Data last updated within the past 24 hours.