$575K · 3+1 bed Duplex · Cundles East, Barrie

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About this home

LEGAL DUPLEX IN THE NORTH END OF BARRIE! SEMI-DETACHED, CLOSE TO ALL SHOPS AND PUBLIC TRANSIT. 3 BEDROOM UPPER WITH 2 BATHS AND WALKOUT TO A NICE SIZED YARD. OPEN CONCEPT LOWER BUILT AND LEGALIZED IN 2016. NEW SIDING ON THE BACK AND THE SIDE, ROOF, INSULATION AND FASCIA APRIL (2025), DISHWASHER (2022), PRICED TO CASH FLOW!

Property details

MLS#

S12871836

Status

Buy Now

Property class

Residential Freehold

Beds

3+1

Baths

3 full, 0 half

Rooms

7 + 3

Kitchens

Size

700-1100Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

Full, Apartment

Style

2-Storey

Type

Duplex

Year built

1951

PIN: 588040098
Roll / ARN: 434202102609800

Occupancy: Tenant Occupied
Washrooms: 2 pc · Main; 4 pc · Second; 4 pc · Basement
Family room: No
Central vacuum: No
Ensuite laundry: No

Roof: Asphalt Shingle
Foundation: Concrete
Other structures: Garden Shed
Property features: Park, Public Transit, Rec./Commun.Centre

Garage: None
Garage spaces: 0
Parking: 3 total
Lot: 30 × 120
Heating: Forced Air
Heating fuel: Gas
Cooling: None
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Brick, Vinyl Siding
Fronting on: East
Cross street: Bayfield St Right Onto Cundles
Stories: —
Utilities: —
Laundry: —
Interior: Accessory Apartment
Parking features: —

Rooms

Level	Room	Dimensions
Main	Kitchen	4.69m × 2.84m
Main	Living Room	3.6m × 3.2m
Main	Dining Room	3.42m × 2.64m
Main	Bathroom	1.52m × 1.22m
Second	Primary Bedroom	3.73m × 3.04m
Second	Bedroom	3.32m × 2.79m
Second	Bedroom	2.84m × 2.81m
Second	Bathroom	2.13m × 2.74m
Basement	Bedroom	2.56m × 3.56m
Basement	Living Room	2.38m × 3.23m
Basement	Kitchen	2.13m × 3.23m
Basement	Bathroom	2.26m × 2.26m

Price movement & seller pressure

↓ $74KPrice reduction

MLS shows the seller reduced the asking price by $74,000 (from $649,000 to $575,000).

Motivated SellerWhy this label

116 days on market — Listing has been active for 116 days — extended time on market can signal seller pressure.

Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $575,000✓ $3,684 tax✓ Gas✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,520/mo

incl. closing costs (yr 1)

Annual total

$54,245

year 1

Mortgage only

$2,181/mo

principal + interest

Beyond mortgage

$1,216/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$115,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$307/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~900 ft² · ON avg ~$75/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$5,750/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$7,975

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)48% $26,176/yr

Property taxes21% $11,659/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance11% $5,750/yr

Closing costs9% $5,100/yr

Mortgage is 48% of your true cost of ownership. The other 52% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$26,176	$2,181/mo
Government & taxes
Property tax	$3,684	$307/mo
Land transfer tax(closing)	$7,975	$665/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$5,750	$479/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$54,245	$4,520/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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23 Carlton Road

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

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Annual costs