$600K · 2 bed Duplex · North N, London North

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About this home

This Charming 1 1/2 story duplex located in the heart of Blackfriars. Ideal for a starter home with income or investors for expansion or rented as a turn key. Dbl garage, A/C, 4 parking spots with a front side spot. Featuring a renovated main floor; one large master bedroom that has a wall to wall closet, Open concept kit/living anda spacious full 4-pc bath. A cute front porch for those beautiful summer days. The Upper has been completely refinished to include a full studio unit. It is perfect f…

Property details

MLS#

X12125697

Status

Buy Now

Property class

Residential Freehold

Beds

Baths

2 full, 0 half

Rooms

Kitchens

Size

1500-2000Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

Full, Partially Finished

Style

1 1/2 Storey

Type

Duplex

Year built

—Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Tenant Occupied
Washrooms: 4 pc; 3 pc · Upper
Family room: Family room
Central vacuum: No
Ensuite laundry: No

Roof: Asphalt Shingle
Foundation: Concrete
Property features: Hospital, Other, Park, School, River/Stream

Garage: 2-car Detached
Garage spaces: 2
Parking: 6 total
Lot: 42.5 × 104.5
Heating: Forced Air
Heating fuel: Electric
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Brick, Stucco (Plaster)
Fronting on: East
Cross street: Paul St & Rathowen St
Stories: —
Utilities: —
Laundry: —
Interior: None
Parking features: —

Level	Room	Dimensions
Main	Bedroom	3.05m × 3.73m
Second	Bedroom 2	2.44m × 3.07m
Main	Living Room	4.68m × 3.58m
Main	Kitchen	2.44m × 3.07m
Second	Living Room	2.44m × 3.07m
Second	Kitchen	3.58m × 4.37m

Level

Room

Dimensions

Main

Bedroom

3.05m × 3.73m

Second

Bedroom 2

2.44m × 3.07m

Main

Living Room

4.68m × 3.58m

Main

Kitchen

2.44m × 3.07m

Second

Living Room

2.44m × 3.07m

Second

Kitchen

3.58m × 4.37m

Price movement & seller pressure

↓ $30KPrice reduction

MLS shows the seller reduced the asking price by $30,000 (from $629,999 to $599,999).

Motivated SellerWhy this label

426 days on market — Listing has been active for 426 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✓ $599,999✓ $3,539 tax✓ Electric✓ 1500-2000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,693/mo

incl. closing costs (yr 1)

Annual total

$56,319

year 1

Mortgage only

$2,276/mo

principal + interest

Beyond mortgage

$1,252/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$120,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$295/mo

Utilities

Hydro / electricity$228/mo

≈ $0.13/ft² × ~1,750 ft² · incl. electric heat

Heat$0/mo

Electric heat — no gas service · see hydro

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%$6,000/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$8,475

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)49% $27,315/yr

Property taxes21% $12,014/yr

Utilities8% $4,290/yr

Insurance & security3% $1,600/yr

Maintenance11% $6,000/yr

Closing costs9% $5,100/yr

Mortgage is 49% of your true cost of ownership. The other 51% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$27,315	$2,276/mo
Government & taxes
Property tax	$3,539	$295/mo
Land transfer tax(closing)	$8,475	$706/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$2,730	$228/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$6,000	$500/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	$56,319	$4,693/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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190 Rathowen Street

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

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Annual costs