Home / Listings
Lower Town · K1N 8J9
$1,595,000
MLS® #X12006603
All photos · 56
10
Bedrooms
6
Bathrooms
3500-5000
Square Feet
About this property
Welcome to 93-95 Lower Charlotte, built around 1907. Since 2003, all systems were updated... electricity: 100 amp service to 300 amp ... plumbing: lead pipes and cast iron to copper and ABS... remove most lath and plaster and installed insulation and sheetrock (5/8), replaced flooring with hardwood, laminate, vinyl or ceramic throughout. Built 5 new bathrooms and 1 powder room. Installed 3 full kitchens. The back and side bricks were replaced by vinyl siding and hardy-board. The front bricks and wooden entrance was replaced by new bricks and concrete stairs and landing. A rooftop deck, second floor balcony and a deck off of the 93 kitchen. 93-95 Lower Charlotte is a legal non-conforming Triplex... 93 Lower Charlotte has 2 bedrooms, 1-4pces en-suite and 1-powder room. Approx. 1,400 sq. ft. The main floor has Living/Dining area, powder room, renovated kitchen with access to large private deck. The second floor has a Master bedroom with access to balcony, walk-in closet and 4-pces ensuite, laundry room and a second bedroom with a Murphy bed. 95 Lower Charlotte has 2 bedrooms, a 4-pces bathroom and a kitchen on the main floor. On the second floor, there are 3 bedrooms, a 4-pces bathroom and a kitchenette with access to the front balcony. The third, located on third floor of 93-95 has private access from the back entrance. This unit 3 bedrooms, 2 3-peices bathrooms and a kitchen/living area. This unit has exclusive use of the roof-top deck with BBQ. TOTAL EXPENSES: Taxes - $11,699.00, Wifi - $1,573, Hydro - $2,690.00, Water - $1,713.43, Gas - $3,656.70 , Insurance: $5243.00 Total Operating Expenses is: $26,575.00. RENTAL REVENUES: Unit -1 at 93 : $2600 mth, Unit -2 at 95 : $3450.00, Unit - at 93-95 : $2350. TOTAL Rental Income: $8,400 * 12 = $100,800.00 ( rent includes all utilities) Net Operating Income (NOI) is $74,225.00. Capitalization Rate is : 4.4 ($74,225.00 / $1,695,000) There are 4 legal Parking spaces.
General information
Building and mechanicals
Basement
Parking and garage
Lot and land
Interior features
Features
Exterior features
Pool
Taxes
Rooms
| Room | Level | Dimensions |
|---|---|---|
| Living Room | Main | 15' 1" × 17' 1" |
| Dining Room | Main | 15' 1" × 17' 1" |
| Kitchen | Main | 19' × 12' |
| Powder Room | Main | 4' 11" × 3' 3" |
| Bedroom | Main | 15' 1" × 12' |
| Bedroom | Main | 15' 1" × 12' |
| Bathroom | Main | 5' 11" × 7' 10" |
| Kitchen | Main | 19' × 8' 9" |
| Primary Bedroom | Second | 17' × 12' |
| Bathroom | Second | 12' × 12' |
| Bedroom | Second | 12' × 12' |
| Laundry | Second | 5' 11" × 5' 11" |
| Bedroom | Second | 15' 1" × 12' |
| Bedroom | Second | 15' 1" × 12' |
| Bedroom | Second | 12' × 12' |
| Bathroom | Second | 5' 11" × 6' 2" |
| Kitchen | Second | 9' 10" × 5' 11" |
| Bedroom | Third | 13' 9" × 12' |
| Bedroom | Third | 12' × 12' |
| Bedroom | Third | 14' 1" × 14' 9" |
| Kitchen | Third | 14' 9" × 12' |
| Bathroom | Third | 7' × 7' |
| Bathroom | Third | 7' × 7' |
Mortgage estimate
Estimated monthly payment
$6,735
Down payment: $319,000 · Loan: $1,276,000
Estimate only. Lender rates and qualification rules change constantly. Excludes property tax, condo fees, and insurance. Always confirm with a mortgage broker before making decisions.
Listing record
Listing courtesy of: ROYAL LEPAGE TEAM REALTY. Originating board: the A00001796.
The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA.
The information provided is for personal, non-commercial use and may not be used for any purpose other than identifying prospective properties consumers may be interested in purchasing. Last updated: Jul 9, 2026.
Measurements, dimensions, and other property details are provided by the listing brokerage and have not been independently verified. Information is deemed reliable but is not guaranteed and should be confirmed by the buyer and their representative.