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22 - East of Sir John A. Blvd, Kingston
$899,900
45 Chestnut Street is a completely rebuilt residential duplex offering two fully furnished, all-inclusive executive-style apartments in a prime downtown location. Ideal for owner-occupants, professionals, or investors looking for a move-in-ready income property. This 2.5-storey, rusticated-stone home was stripped to the studs and professionally renovated from 2022 to 2024. Significant upgrades include all-new electrical, plumbing, and HVAC systems; spray-foam insulation (basement through attic); new windows and doors; and Ontario Building Code-compliant fire separation. The cellar is fireproofed with mono-coat treatment. The upper unit is a spacious 2-bedroom suite with a modern 3-piece bath, finished loft, in-suite laundry, and private deck with views over the Fruit Belt. The lower unit is a bright 1-bedroom with a full 4-piece bath, open layout, and generous finishes. Each unit includes in-suite laundry, programmable Wi-Fi thermostats, and separate shut-offs. Interior features include luxury vinyl plank flooring, quartz and granite countertops, custom cabinetry, ceramic and marble tilework, and full furnishings-TVs, linens, cutlery, and appliances are all included. The property also features a new metal roof, updated eavestroughs, exterior LED soffit lighting, new fencing, fresh sod, a security camera system, on-site parking, and a Level 2 EV charger. Whether you're living a unit (if available) while renting the other, or seeking a hands-off investment with strong appeal to executive tenants, this is a rare opportunity in one of Kingston's most walkable neighbourhoods. Unit 2 is currently rented until 2027-01-11, minimum24 hours' notice required
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| Type | Detached |
| Style | 2 1/2 Storey |
| Approx. Age | 100+ |
| Size | 1500-2000 sq. ft. |
| Property Tax | $3,554 |
| Lot Size | 60 ft x 92.5 ft |
| mls© Number | X12651356 |
| Listed By | CENTURY 21 LANTHORN REAL ESTATE LTD., BROKERAGE |
Listing History
- No recent sale history for this listing.
- No recent lease history for this listing.
Could you afford this home?
What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $4,606
- Property tax
- $296
- Heat allowance
- $150
- Housing costs
- $5,052 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$155,000
gross annual household income
- Payment at 4%
- $3,787 / mo
- Cash down
- $179,980
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
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