896 Cottonwood Avenue, Kingston

$949,900
896 Cottonwood Avenue

$949,900

New
21d
Detached2-Storey

896 Cottonwood Avenue, Kingston

Total Monthly Obligation $4,746

Beds
5
Baths
4
Park
2
Sqft
2000-2500
DOM
21d
Score
16
Yield
3.8%
Cash on Cash
-8.1%
Cap Rate
2.8%
5Y IRR
9.2%
10Y IRR
9.6%
Property Type-Detached
MLS® Number-X13854134
Beds-5
Bathrooms-4
Size-2000-2500 sqft
Lot Size-38.04 × 105.02 ft
Listed on site-Oct 2, 2026
Style-2-Storey
Building Type-Detached
Age-16-30
Taxes-$6,466.89 (2025)
Parking-3 - Attached
Basement-Full, Finished
Heating-Forced Air (Gas)
Brokerage-RE/MAX FINEST REALTY INC., BROKERAGE
Cooling-Central Air
Laundry-No
Fireplace-Living Room
Pool-None
Facing-West
Exterior-Brick, Vinyl Siding
Roof-Asphalt Shingle
Foundation-Poured Concrete
Sewer-Sewer
Possession-IMMEDIATE
Neighbourhood-13 - Kingston East (Incl Barret Crt)
Title-Residential Freehold

No agent assigned

Top Location - Move-In Ready - Polished TOP to BOTTOM. This stunning two-storey home offers 4 +1 bedrooms 4 baths finished top to bottom is nestled in Kingston's highly desirable East End. From the moment you step inside, you'll appreciate the bright open-concept design, gleaming hardwood floors, stunning wood railing and inviting living room featuring a cozy gas fireplace. The beautifully appointed kitchen offers rich cabinetry, Stone Counter tops ample storage, a neat-in , large island and stylish pot lighting-perfect for everyday living and entertaining alike. The upper level features four generous bedrooms, including a spacious primary bedroom complete with a walk-in closet and luxurious 5-piece ensuite. Convenient second-floor laundry adds to the home's thoughtful functionality. The fully finished, carpet-free lower level expands your living space with a large rec room highlighted by a striking fireplace feature wall, an additional bedroom, and a full 4-piece bathroom-ideal for guests, teens, or extended family. Step outside to enjoy the fully fenced backyard oasis featuring an expansive stone patio, gazebo, and storage shed, creating the perfect setting for summer BBQs, outdoor gatherings, and relaxing evenings. Located in one of Kingston's fastest-growing and family-friendly neighbourhoods, this home offers easy access to excellent schools, parks, walking trails, recreation facilities, shopping, restaurants, and everyday amenities. Commuters will appreciate quick access to Highway 401, CFB Kingston, downtown Kingston, and the city's waterfront. Combining exceptional living space, modern finishes, and an unbeatable East End location, 896 Cottonwood Avenue is ready to welcome you home.

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

Closing Costs

Mortgage Amount
$759,920
Land Transfer Taxes$15,473
Legal Fees (Est.)
$
Total cash required for closing$206,953

Total Monthly Obligation

$4,746/mo
Mortgage $3,832
Monthly Loss $3,737
Principal$1,008
Interest$2,823
Property Tax$539
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.3%13
Cash-on-Cash
-12.0%0
5-Year IRR
6.2%15
10-Year IRR
7.7%
Returns Index
8.8/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
16/ 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
$36,120/yr
NOI
$21,541/yr
Net Cash Flow
-$2,037/mo
Cash Margin
-67.7%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.474
LTV Ratio
80.0%18
Vacancy Buffer
2.0 mo32
Risk Index
18.1/ 100

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

Comparables

Properties near 896 Cottonwood Avenue

Time

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