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18 - Central City West, Kingston
$409,900
Opportunity Knocks in a Prime Central Location! Situated directly across from St. Lawrence College, this charming bungalow offers incredible value for first-time buyers, investors, or downsizers looking for a better alternative to condo living-with no condo fees, more space, and your own private lot. Set on a generous 40 x 133 ft lot, this property provides rare room to expand or customize, with excellent future development potential in the deep backyard. The home features a functional layout with bright living and dining areas, two bedrooms, and a carpet-free interior with hardwood flooring throughout. Lovingly maintained and move-in ready, it offers comfortable living today with the flexibility to add value over time. Recent updates include a furnace (Nov 2024), roof (Sept 2021), basement waterproofing (July 2025), updated wiring (2016), basement windows (2019), and upper-level windows replaced prior to 2016. Appliances are in good working order, with the dishwasher (2020)and washer/dryer (2018). Two window air conditioning units are included for added comfort. Enjoy the convenience of 3-car parking and unbeatable proximity to transit, shopping, Providence Care Hospital, and Queen's University. Adding to the opportunity, the property is zoned Urban Multi-Residential Zone 10 (URM10), which permits a range of residential uses including apartment buildings and stacked townhouses, offering potential for additional units or future redevelopment. The property is located within a wastewater constraint area, and any proposed development or additional units would be subject to municipal approvals and confirmation of available servicing capacity by Utilities Kingston. Buyers are encouraged to complete their own due diligence with the City of Kingston regarding their intended use. Whether you're looking to get into the market, downsize without compromise, or invest in a high-demand student rental location, this property checks all the boxes.
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| Type | Detached |
| Style | Bungalow |
| Approx. Age | 51-99 |
| Size | 700-1100 sq. ft. |
| Property Tax | $3,336 |
| Lot Size | 41.68 ft x 132 ft |
| mls© Number | X13709520 |
| Listed By | CENTURY 21 HERITAGE GROUP 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%
- $2,098
- Property tax
- $278
- Heat allowance
- $150
- Housing costs
- $2,526 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$78,000
gross annual household income
- Payment at 4%
- $1,725 / mo
- Cash down
- $81,980
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
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