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646 PORTSMOUTH Avenue

25 - West of Sir John A. Blvd, Kingston

$649,900

Detached|Bungalow
3 | 3 | 5
About this home

Attention, investors, first-time homebuyers, and growing families! Welcome to this beautifully upgraded, sun-filled bungalow situated on one of the largest lots in Kingston's desirable Portsmouth Avenue neighbourhood. Offering modern finishes, exceptional value, and outstanding future potential, this move-in-ready home is ideally located just 5 minutes from St. Lawrence College, 7 minutes from Queen's University, and a 2-minute walk to Grenville Park. Schools, hospitals, shopping, parks, and the Lake Ontario waterfront are also conveniently close by. The home features a bright and inviting layout with numerous modern upgrades, including approximately $40,000 in improvements. Updates include a new flat roof (2021), a 200-amp electrical panel (2021), a new electric water heater (2025), a detached garage, stylish potlights throughout, and stainless steel appliances. The spacious, fully fenced lot provides plenty of room for outdoor enjoyment, while the driveway can accommodate up to 4 vehicles, offering exceptional parking convenience. The separate basement entrance creates excellent flexibility for an in-law suite or future duplex conversion. Even more exciting, the detached garage offers the potential for a third dwelling through a garage conversion, making this property particularly attractive to investors seeking additional income potential. Buyers should verify zoning and municipal requirements for any future conversion or additional dwelling. A rare opportunity to own a substantially upgraded home on an exceptionally large lot in a highly convenient Kingston neighbourhood - perfect for living, investing, and future growth.

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Contact BrokerHub Inc..

BrokerHub Inc.
(647) 254-1864
TypeDetached
StyleBungalow
Approx. Age51-99
Size1100-1500 sq. ft.
Property Tax$4,112
Lot Size75 ft x 131.7 ft
mls© NumberX13657470
Listed ByEXP REALTY, 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%
$3,326
Property tax
$343
Heat allowance
$150
Housing costs
$3,819 / mo

Lenders cap these at 39% of gross income — that sets the number.

Down payment20% · $129,980
25-yr amortization

Income needed

$118,000

gross annual household income

Payment at 4%
$2,735 / mo
Cash down
$129,980

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

Estimated rent, cap rate and monthly cash flow for this property

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