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$1.07M · 6 bed Multiplex · 4103 - Ottawa Centre, Ottawa Centre | MyPropertyScout

$1,074,900

46 James Street

65TenantOccupied

Map

$1,074,900

A●●○○○

46 James Street

Ottawa Centre · Ontario K2P 0T6

MLS® X12735442 · 4103 - Ottawa Centre · K2P 0T6

65TenantOccupied2500-3000 ft²MultiplexNone$391/ft²Lot 33.3 x 109 ft$8,688 tax/yrBuilt 1916110 yrs old

19% below market

Scoring based on Property Scout Neighbourhood Intelligence — use as guidance only, sometimes it's not so intelligent 👍

About this home

An investment property you would be proud to own. Welcome to 46 James Street, ideally situated in the heart of Ottawa. This property presents a compelling blend of character, functionality, and location, making it a sound addition to an investment portfolio.The building features well-maintained rental units that have demonstrated consistent performance. In 2025, the property generated gross rental income of $83,447.64. Total operating expenses for the same period amounted to $23,761.80, inclusiv…

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Property details

MLS#: X12735442
Status: Buy Now
Beds: 6
Baths: 5 full, 0 half
Size: 2500-3000
Style: 2 1/2 Storey
Type: Multiplex
Year built: —

Roof: Asphalt Shingle
Foundation: Stone

Garage: None
Garage spaces: 0
Parking: 3 total
Lot: 33.33 × 109
Heating: Radiant
Heating fuel: Gas
Cooling: None
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Brick
Fronting on: South
Cross street: James Street & Bank Street
Basement: Unfinished
Stories: —
Utilities: —
Laundry: —
Interior: Separate Hydro Meter, Water Meter, Storage, Storage Area Lockers, Floor Drain
Parking features: —

Rooms

Room dimensions are not available for this listing.

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: ROYAL LEPAGE TEAM REALTY

Source: TRREB/PROPTX · MLS® X12735442

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$1.07M

46 James Street · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,074,900✓ $8,688 tax✓ Gas✓ 2500-3000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$8,201/mo

incl. closing costs (yr 1)

Annual total

$98,414

year 1

Mortgage only

$4,078/mo

principal + interest

Beyond mortgage

$2,167/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$214,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$724/mo

Utilities

Hydro / electricity$193/mo

≈ $0.07/ft² × ~2,750 ft² · ON avg ~$193/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%$10,749/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$17,973

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)50% $48,934/yr

Property taxes27% $26,661/yr

Utilities5% $5,370/yr

Insurance & security2% $1,600/yr

Maintenance11% $10,749/yr

Closing costs5% $5,100/yr

Mortgage is 50% of your true cost of ownership. The other 50% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$48,934	$4,078/mo
Government & taxes
Property tax	$8,688	$724/mo
Land transfer tax(closing)	$17,973	$1,498/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$2,310	$193/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$10,749	$896/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	$98,414	$8,201/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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46 James Street

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs